COISoftware collects certificates of insurance from your vendors, subcontractors and tenants, reads the ACORD 25 automatically, checks the coverage against your requirements, and warns you before anything expires. Built for US businesses that cannot afford a coverage gap.
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Most companies still track COIs in a spreadsheet and a shared inbox. It works until a vendor's policy lapses, a claim hits, and you find out your business was exposed the whole time.
Someone retypes limits, dates and policy numbers off every certificate by hand. One typo and your compliance record is wrong.
A spreadsheet does not email anyone. Policies lapse quietly and you only notice after a vendor has already worked uninsured.
Collecting a COI is not the same as checking it. Limits below your requirement, a missing additional insured, or excluded work slip right through.
When an insurer, a client or a lawyer asks for proof, you dig through folders instead of pulling one clean compliance report.
Email threads to collect updated certificates eat hours every week and still go unanswered.
Certificates live in email, desktops and filing cabinets. Nobody can answer "who is compliant right now?" in one click.
The cost of a lapsed certificate is not the software you did not buy. It is the uncovered claim, the contractual penalty, or the insurance audit that reclassifies an uninsured subcontractor as your own payroll. Certificate of insurance management software exists to close that gap, and to give you back the hours your team spends typing and chasing paper.
COISoftware turns a pile of PDFs into a live compliance system. Upload a certificate and the data is read, verified and tracked automatically.
Upload any certificate and the AI reads the insurer, policy numbers, coverage types, limits, effective and expiration dates, and additional insured status, even from scans and phone photos.
Set your requirements once. Every COI is checked against your minimum limits and required endorsements and flagged the moment it falls short.
Automated reminders go out at 60, 30 and 15 days before a policy lapses, so coverage never gaps and you never chase a renewal late.
Every certificate, requirement and vendor in one searchable place. Answer "who is compliant?" in a single click.
Export an audit-ready compliance report to Excel or PDF the moment a client, insurer or auditor asks for proof.
Group certificates by vendor, project, property or trade and track each party's compliance status on its own.
COISoftware reads the same ACORD forms your agents send every day, including the ACORD 25 certificate of liability insurance and the broader certificate of insurance formats. Once the data is extracted, the software compares each policy limit and endorsement to the rules you set, so verification happens automatically instead of line by line. You can review the full list of insurance documents we read to see what the AI handles out of the box.
From a stack of certificates to a clean compliance dashboard in three steps.
Drag in PDFs, scans or photos of your ACORD 25s, or forward them straight from your inbox. Batch upload hundreds at once.
Tip: Start with a single COI to see the extraction before you commit.
Tell COISoftware your minimum coverage limits and required endorsements, such as additional insured or waiver of subrogation. Every certificate is checked against them automatically.
Watch your compliance dashboard, get reminders before anything expires, and pull a report whenever you need proof.
Any US business that requires proof of insurance from the people it works with.
Track tenant and vendor COIs across every building and unit.
Keep every subcontractor verified before they step on site.
Enforce insurance requirements across hundreds of third parties.
Confirm every franchisee, supplier and service provider carries the coverage your agreements demand.
If you manage commercial property, you are tracking tenant and vendor certificates against lease requirements. If you run construction projects, you are verifying subcontractor coverage before anyone is allowed on the job. If you sit in risk or compliance, you are answering to auditors and clients who want proof that every third party is insured. COISoftware fits all three, and scales from a handful of certificates to an active book of thousands. Teams that manage vendor and subcontractor risk most heavily can read our dedicated guide to vendor and subcontractor insurance compliance tracking.
Certificate of insurance management software is a tool that collects certificates of insurance from your vendors, subcontractors and tenants, extracts the coverage data, verifies it against your insurance requirements, and tracks expiration dates. It replaces the manual spreadsheet so a lapsed or insufficient policy never becomes your liability.
You upload or forward each certificate, the software reads the ACORD form and pulls the insurer, limits, policy dates and endorsements, then compares them to the requirements you set. Non-compliant certificates are flagged, and automated reminders go out before any policy expires so coverage stays current.
Across the market, self-service COI platforms typically run about $3 to $10 per vendor per year, full-service options $10 to $30, and enterprise deployments reach the five and six figures annually. COISoftware uses transparent monthly pricing with a free tier and no per-vendor minimums, so you can start small and scale as you add certificates.
You can, but a spreadsheet cannot read a certificate, verify coverage, or email you before a policy expires. Teams usually outgrow Excel once they manage more than a handful of vendors, because manual entry introduces errors and missed renewals create real coverage gaps. Software automates the parts a spreadsheet leaves to you.
The ACORD 25 is the standard Certificate of Liability Insurance used in the United States. It summarizes a business's general liability, auto, umbrella and workers compensation coverage, the policy numbers and dates, and whether a certificate holder is named as additional insured. It is the form most COI tracking software is built to read.
Verifying a COI means checking that the coverage types, limits, policy dates and endorsements meet your requirements, and confirming the policy is active. COISoftware does this automatically by comparing every extracted certificate to the rules you define, then flagging anything below your minimum limits or missing a required endorsement.
COI tracking usually means monitoring certificates and their expiration dates. COI management is broader: it includes collecting certificates, extracting and verifying the data, setting and enforcing requirements, chasing renewals, and reporting on compliance. COISoftware covers the full management workflow, not just expiration alerts.
COISoftware offers a free plan so you can extract and review certificates before you pay anything. Free spreadsheet templates exist too, but they only store data and cannot verify coverage or send renewal reminders. For more than a few vendors, dedicated software pays for itself in time saved and gaps avoided.
