Can You Track Certificates of Insurance in Procore? (What It Does and Does Not Do)

Yes, you can store certificate of insurance information in Procore, but it does not verify the certificate for you. Procore lets an insurance manager record a subcontractor policies, limits and dates in the Company Directory and attach the PDF. What it does not do is read the certificate automatically, check the coverage against your subcontract requirements, confirm the additional insured endorsement is real, or chase the renewal when a policy expires mid-project. Those steps are still manual unless you run a dedicated COI tracking system alongside Procore.

That gap is why so many construction teams run the project in Procore and the actual insurance verification in a spreadsheet and an inbox. Below is exactly what Procore handles, where it stops, and how general contractors close the gap without leaving the platform they already work in.

What insurance tracking can Procore do on its own?

Procore can hold insurance data on a company record. In the Company Directory, an insurance manager can add policies (general liability, workers compensation, auto, umbrella), record the carrier, limits, and effective and expiration dates, attach the certificate PDF, and mark a vendor compliant or not. On a project, that record travels with the subcontractor, so a project engineer can see whether a sub has insurance on file before issuing a commitment.

That is genuinely useful as a system of record. The project, the subs, the commitments and the insurance note all live in one place. The problem is what counts as insurance on file: it is whatever a person read off the PDF and typed in. Procore stores it; it does not check it.

Where Procore insurance tracking leaves gaps

The work that actually protects you on a job is the verification, and that is the part a directory field does not do. Here is the split.

Task	Procore directory alone	What it actually takes
Reading the certificate	Someone types carrier, limits and dates by hand	Pulling every field accurately from the ACORD 25, including scans and photos
Checking coverage vs the subcontract	A reviewer compares it themselves, if they have time	Flagging a short limit, missing umbrella or wrong coverage automatically
Confirming additional insured	Recorded only if someone reads the endorsement	Verifying additional insured, primary and noncontributory, and waiver of subrogation wording
Chasing renewals	A date field you have to watch	Automated reminders that re-verify the renewed COI
Catching mid-term cancellation	Not detected unless a sub tells you	An alert while the sub is still on site

None of this is a knock on Procore. It is a project management platform, not a certificate verification engine, and it does not claim to be one. But a recorded insurance field is not the same as a verified one, and on a job with dozens of subs renewing every year, the difference is where uninsured exposure hides.

How to track and verify subcontractor COIs alongside Procore

The practical answer most general contractors land on is to keep Procore as the project hub and add a dedicated insurance verification layer next to it. A purpose-built tool reads each certificate with AI, checks it against the requirement for that trade, confirms the endorsements, and chases expirations, so the compliance status of your project is real rather than hand-keyed. That is exactly what COI tracking for Procore is built to do: it runs alongside the platform, verifies every sub, and keeps a dated record you can hand an owner, a lender or your own insurer.

The workflow is the same one you would follow on any construction job, just automated:

Set requirements from the subcontract. Pull the coverages, limits and endorsements straight from your insurance exhibit, and vary them by trade so a roofer and an electrician each get the right rule.
Collect a COI before notice to proceed. Request a certificate from each sub before they mobilize, or upload what your team already receives, and let the software read it.
Verify before the sub starts work. Short limits, missing coverage, absent endorsements and expired policies are flagged before anyone is on site.
Monitor continuously. Automated reminders chase renewals and a cancelled policy is caught mid-project, not after a loss.

What insurance should a GC verify on each subcontractor?

A general contractor typically verifies general liability, workers compensation, commercial auto and umbrella or excess liability at the limits the subcontract requires, plus additional insured status on both ongoing operations and completed operations, primary and noncontributory wording, and a waiver of subrogation. The exact coverages and limits come from the insurance exhibit in your subcontract, and the certificate has to show all of it before the sub mobilizes. For the full breakdown by coverage and limit, see our guide on subcontractor certificate of insurance requirements.

Why not just enter insurance in Procore by hand?

You can, and many teams do. The issue is that manual entry only records what someone typed; it does not verify the coverage against your subcontract, confirm the additional insured endorsement is genuine, or chase the renewal when a policy lapses mid-job. On a busy project, hand entry gets deferred, a mistyped limit hides a real gap, and a lapsed sub keeps working until someone notices. Reading and checking each certificate automatically catches the short limit or expired policy that manual entry quietly misses, which is the whole point of certificate of insurance verification.

Can you track subcontractors across multiple Procore projects?

Procore scopes insurance to the company record and the project, so seeing one subcontractor compliance across every job they work for you, against each project requirement, still means checking project by project. A dedicated layer tracks every sub on every project in one dashboard, filtered by job, which is how a contractor running many active jobs keeps compliance current without putting a person on each one. That portfolio view is the same approach behind subcontractor COI tracking.

Does Procore alert you when a certificate expires?

Procore stores an expiration date, but acting on it is up to you; a stored date does not chase a sub for a renewal or re-verify the new certificate when it arrives. To catch an expiring or cancelled policy automatically, you need a system that watches every date and sends the reminder, then reads and re-checks the renewed COI. That continuous monitoring is the difference between a record that looks current and coverage that actually is.

Bring the rest of your subcontractor paperwork along

Insurance is one piece of onboarding a subcontractor. When you send the subcontract itself, an online document e-signing tool gets it signed without printing and scanning. If you need to pull the insurance requirements, indemnity and other key terms out of a long contract quickly, AI contract abstraction reads the document and extracts them. And once a sub is approved and working, managing their commitments and change orders is cleaner with dedicated purchase order management rather than email threads.

The bottom line

Procore can store certificate of insurance information, and that makes it a fine system of record. What it does not do is read, verify, or chase certificates, which is the work that actually keeps an uninsured subcontractor off your site. Run a dedicated COI verification layer alongside Procore and you get both: the project in Procore, and proof that every sub on it is genuinely covered.

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