Copal is resin that has not finished becoming amber. Chemically it is on the same path — the same tree resins, the same polymerisation — but where Baltic amber is roughly forty million years old, most commercial copal is measured in thousands to a few million. It has therefore not fully lost its volatile components or completed cross-linking, and it stays softer, tackier and more reactive.
That incompleteness is the test. A drop of acetone, ether or even strong alcohol on an inconspicuous spot will soften, cloud or tackify copal within a minute or two, because the solvent can still get into the polymer. True amber is inert to the same treatment. This is the standard separation and it is reliable.
Copal is also the material behind most manufactured insect inclusions, for the simple reason that it is soft enough to work with and young enough that its own inclusions are modern species anyway. A large, pristine, textbook-perfect insect in a golden nodule sold at a market in Central America or online from Madagascar is overwhelmingly likely to be copal, and quite possibly copal with something added.
References and sizesColombian copal · Madagascan copal · East African copal
Establish which of these you are holding before judging it. A genuine piece read against another reference's rules will look wrong when it is not.