# Detect tampered and deepfake Insurance Document > Proof of insurance is verified by confirming that the policy number, the named insured, the policy period, and the coverage limits on the certificate match what the issuing insurer or broker holds on file. These documents are forged because they unlock work and access: a subcontractor with no liability cover, a tenant with no contents cover, a haulier with no goods-in-transit cover. The cheapest version in circulation is a genuine expired certificate with the policy period rolled forward by twelve months. **Canonical URL:** https://tampercheck.ai/documents-support/insurance_document **API document class:** `insurance_document` **Last updated:** 2026-10-07 --- ## What a genuine insurance document contains An insurance certificate or policy schedule states that cover exists and on what terms. It carries the insurer's name and letterhead, the broker or producer, the named insured and their address, the policy number, the effective and expiry dates, and the class of cover. A coverage table follows, listing each line of insurance with its per-occurrence and aggregate limits and any deductible, alongside the premium. Endorsements and rider pages, additional insured and waiver-of-subrogation markers, the certificate holder, the cancellation-notice clause, and an authorised signature complete it. The coverage table is the part that has to hold together. An aggregate limit cannot fall below the per-occurrence limit it caps, and the premium is priced from the limits and the period, so a raised limit against an untouched premium describes a policy no insurer wrote. Each endorsement referenced in the table should have a corresponding rider page in the document, and the policy number follows the insurer's own format. For the certificate to prove anything, its policy period has to bracket the date on which someone is relying on it. ## How insurance document forgeries are made ### Policy period roll-forward The effective and expiry dates on a lapsed certificate are advanced so the document reads as current, leaving every other field genuine. It is the most common forgery in this class, and the two altered date fields usually differ in print characteristics from the unchanged text sharing their line. ### Coverage limit inflation Limits are raised to meet a contract requirement the real policy does not satisfy. The tell is arithmetic rather than visual: an aggregate that no longer exceeds the per-occurrence figure, or a premium that was never adjusted to match the cover now claimed. ### Named insured substitution A compliant firm's certificate is reissued with a different company name, so one business borrows another's cover to satisfy a compliance check. The substituted name commonly leaves the original entity visible elsewhere in the file, in the policy number series or on a rider page. ### Rider and endorsement page removal Exclusion and endorsement pages are dropped so the cover appears broader than it is, which is a subtraction rather than an edit. Page numbering and endorsement references in the coverage table that point to pages no longer present are what reveal it. ### Insurer branding and authorised signature cloning The insurer's logo and the authorised representative's signature are copied from a real certificate onto a fabricated one. Both arrive as resampled raster elements whose resolution and edge behaviour separate them from the text that was rendered with the page. ### Certificates assembled from a standard form A certificate is produced from a standard industry layout with every field chosen to satisfy the requester, so no element has been altered. Detection turns on generation and print characteristics, and on confirming the policy number with the insurer, which the document alone can never substitute for. ## What TamperCheck checks on an insurance document TamperCheck runs 200+ forensic checks across three layers and returns a risk score from 0 to 100 with plain-English findings tied to specific regions of the document. These three carry the most weight on this document class. ### Table structure integrity Inserted and deleted rows leave structural artifacts behind: inconsistent spacing, misaligned columns, and formatting the visible table no longer accounts for. ### Letterhead, logo, and issuer plausibility Issuer branding is checked for resolution and compression consistency against the body text it sits on. A logo lifted from a website carries the signature of its source, not of the document. ### Date and validity consistency Issue, expiry, and period dates are checked against one another and against the file's own creation metadata, which catches backdating and validity extension. ### And many more checks The three above are the layers that carry the most weight on an insurance document. Every upload runs the full suite of 200+ checks regardless of document class, spanning file structure and metadata, pixel-level forensics, font and text rendering, optical and print characteristics, provenance signals, AI-generation signatures, and many more checks. ## Who verifies an insurance document, and why Contractors, landlords, and compliance teams requiring evidence of cover. In each case the document is being used to unlock money, access, or a legal status, which is exactly what makes it worth forging. ## How to verify an insurance document in 4 steps 1. **Check the fields against each other.** Read coverage limits, policy period, and insured name together rather than one at a time. Forgers typically change one value and leave the rest of the document describing the original. 2. **Inspect the file metadata.** Open the document properties and look at the producer, creation date, and modification date. A document produced by a consumer PDF editor, or created long after the date printed on its face, is worth a closer look. 3. **Ask for a second document.** Request a corroborating document from the same issuer or an adjacent period. Forgery effort concentrates on one file, so inconsistencies surface as soon as there are two to compare. 4. **Run a forensic check.** Manual review catches obvious edits but not field-level pixel manipulation or synthetic generation. TamperCheck runs 200+ forensic checks on an insurance document and returns a risk score from 0 to 100 within seconds, at $0.50 per document. ## Frequently asked questions ### How do I verify proof of insurance? Contact the insurer or the broker named on the certificate, using contact details you look up independently, and ask them to confirm the policy number, the named insured, the policy period, and the limits as they hold them. Then read the certificate for internal agreement: aggregate against per-occurrence limits, premium against the cover claimed, and endorsement references against the rider pages actually present. ### Can an insurance certificate be faked? Yes, and it is among the easier documents to forge convincingly because certificates follow standard layouts that are widely available. The usual approach is not fabrication but a date change on a real expired certificate, which leaves the insurer's branding, the policy number, and the signature genuine while making lapsed cover look active. ### How can you tell if a certificate of insurance is expired or altered? Compare the policy period against the date you are relying on the certificate, then look at how those dates were printed relative to the text around them, since a rolled-forward date carries its own rendering and compression history. Confirming the period with the insurer settles it, because an altered certificate and a valid one look identical until someone checks the underlying record. ### Why do landlords and contractors check insurance documents? Because the certificate is the only evidence that a liability sits with an insurer rather than with them, and it is produced at the point where that liability transfers. A subcontractor onto a site, a tenant into a property, or a carrier onto a load without valid cover leaves the party who accepted the document exposed to the loss the policy was meant to absorb. ## Related document types - Medical Certificate: https://tampercheck.ai/documents-support/medical_certificate - Medical Report: https://tampercheck.ai/documents-support/medical_report - Discharge Summary: https://tampercheck.ai/documents-support/discharge_summary - Lab Result: https://tampercheck.ai/documents-support/lab_result - Prescription: https://tampercheck.ai/documents-support/prescription - Health Insurance Card: https://tampercheck.ai/documents-support/health_insurance_card --- Try TamperCheck now: https://tampercheck.ai/dashboard · Docs: https://tampercheck.ai/docs · Pricing: https://tampercheck.ai/pricing