COISoftware collects a certificate of insurance from every on-site contractor, equipment installer and component supplier at your plant, reads each ACORD 25 with AI, checks general liability, product and completed operations, pollution and workers compensation limits against what you require, and confirms your facility is named as additional insured. Built for US manufacturers, industrial plants and processors verifying contractor and supplier COIs before work begins. Upload a COI above to see it read in seconds.
Last updated June 2026
Upload your certificates of insurance
Drop files here or click to upload
Up to 50 files
Uploading...
Contractors and suppliers at a plant carry very different risks, so most manufacturers require different coverage by type. These are common starting points, not legal or insurance advice.
| Party type | Coverage commonly required | Why the plant requires it |
|---|---|---|
| On-site maintenance contractors | General liability, workers compensation, often umbrella and additional insured | Hot work, confined-space and at-height work on the floor carries injury and property risk |
| Capital-project and construction contractors | General liability with completed operations, workers compensation, commercial auto, umbrella | Larger builds bring more trades and longer completed-operations tail exposure |
| Equipment installers and integrators | General liability, products and completed operations, professional or errors and omissions | A bad install can damage equipment or product long after the crew leaves |
| Component and raw-material suppliers | Product liability, completed operations, general liability, additional insured | A defective component can surface in your finished product and trigger a claim against you |
| Hazardous-material and waste contractors | General liability, pollution or environmental liability, commercial auto | Chemical, waste and environmental work carries contamination exposure on and off site |
| Staffing agencies | Workers compensation and general liability | Temporary plant labor injury exposure sits with the staffing firm |
Set requirements to your own contracts, master service agreements, supply contracts and state and federal law. Limits and coverages shown are common starting points, not legal or insurance advice.
A manufacturing facility brings dozens of outside parties onto the floor: maintenance crews, electrical and mechanical contractors, equipment installers, scaffolding and crane services, plus a supply base that ships components you put your name on. Every one of them carries different risk, different coverage, and a certificate that goes stale on its own clock.
A contractor doing hot work, confined-space entry or work at height inside your plant brings real injury and property risk. If that contractor is underinsured or has let coverage lapse, a serious incident pulls your facility into the claim, which is why the COI and additional insured status have to be verified before anyone is cleared onto the floor.
A defective component from a supplier can surface in your finished product and trigger a product liability claim against you. Requiring product liability and completed operations coverage from suppliers, with your company named as additional insured, is how that exposure gets pushed back upstream, but only if every supplier certificate is actually checked for it.
Contractors and suppliers at a plant need the right mix of general liability, product and completed operations, workers compensation, commercial auto, umbrella and sometimes pollution coverage for hazardous materials. Verifying the wrong coverage, or missing the completed operations or pollution piece, is a common and costly gap.
Between recurring maintenance vendors, capital-project contractors and a rotating supply base, certificates land in inboxes all year and renew on every possible date. With no single owner watching expiration across the whole base, lapses slip through.
A contractor can stop paying premium and lose coverage weeks before the date printed on the certificate. The COI in your file still looks valid, so you keep clearing that contractor onto the plant floor while they are no longer insured.
A tab of vendors with manual expiration dates fails fast once a turnaround or capital project floods the site with contractors. Renewals slip, completed operations goes unchecked, and proving you verified a contractor after an incident means digging through email.
The certificate a contractor or supplier emails you is a snapshot from the day it was issued, not proof of coverage on the day work happens. Confirming that every party carries the right limits, kept them current, and named your facility as additional insured is repetitive, rules-based work across a large and changing base, which is exactly what software handles well. Certificate of insurance management software reads every certificate, checks it against your requirements by party type, and flags anything short, expired or missing, so a plant manager or EHS lead is not verifying PDFs by hand before every job.
COISoftware reads every contractor and supplier certificate, checks it against your rules by party type, confirms additional insured and waiver of subrogation, and gives you one view of who is actually covered across every plant.
Upload a certificate from a maintenance contractor, equipment installer or component supplier and the AI pulls the insurer, policy numbers, coverage types, limits, effective and expiration dates, and certificate holder, even from scans and phone photos.
Set the general liability, product and completed operations, workers compensation and pollution limits you require, and every certificate is checked for them, so a supplier missing product coverage or a contractor short on completed operations is flagged before work starts.
See at a glance whether a contractor is current and meets your limits today, not at onboarding, so EHS and procurement are not clearing an underinsured crew onto the plant floor.
Track maintenance contractors, project contractors and suppliers side by side, filter by party type or facility, and keep one compliance picture across every plant and turnaround.
See whether your facility is named as additional insured and whether a waiver of subrogation applies on each policy, so the status your contract requires is verified rather than assumed from a checked box.
When a contractor or supplier certificate is about to expire, COISoftware chases for a renewed COI automatically, so a lapsed policy in your base is caught before it becomes a problem.
COISoftware reads the ACORD 25 and the broader certificate of liability insurance, then ties every contractor and supplier certificate into full certificate of insurance management software and ongoing vendor insurance compliance tracking. When a certificate looks off, the same checks behind certificate of insurance verification flag it for review. On-site maintenance and project crews are tracked the same way as subcontractor COI tracking for contractors.
Verifying a large contractor and supplier base follows the same four steps as tracking a handful of vendors.
Enter the coverages and limits your contracts require, and vary them by party so a maintenance contractor, an equipment installer and a component supplier each get the right rule. Include the additional insured and waiver of subrogation wording you require.
Tip: Require product liability and completed operations from suppliers, and pollution coverage from contractors handling hazardous materials or waste.
Request a COI from each party or upload the certificates you receive. The AI reads every one automatically, so onboarding contractors for a turnaround or capital project does not turn into hours of manual data entry.
Each certificate is checked against the requirement for that party type. Short limits, missing completed operations, expired policies and a missing additional insured are flagged before a crew is cleared onto the floor.
Automated reminders chase any expiring certificate, so coverage stays current across every contractor and supplier without an EHS or procurement lead tracking dates by hand.
Anyone responsible for proving that every contractor and supplier carries the coverage your contracts and safety program require.
A plant clearing maintenance crews, project contractors and equipment installers onto the floor needs to know, before work starts, that each one still carries the limits its contract requires and names the facility as additional insured. COISoftware turns each requirement into a live status, so EHS sees a clear pass or flag instead of opening a stale certificate and hoping it is still good.
Procurement tracks supplier COIs alongside contractor COIs, confirming product liability and completed operations from every component and raw-material supplier so a product claim can be pushed back upstream. On-site maintenance and project crews are tracked the same way as subcontractor COI tracking for contractors.
An operator running several plants carries the same exposure at each one and often verifies contractors and suppliers across the whole footprint. To collect, verify and monitor every certificate in one place, pair this with vendor insurance compliance software, and if you are comparing platforms, our best COI tracking software roundup walks through the options honestly.
Most manufacturers require commercial general liability of at least $1 million per occurrence and $2 million aggregate, workers compensation per state law, and often an umbrella policy from every on-site contractor. Higher-risk or capital-project contractors are usually required to carry completed operations, commercial auto, and pollution coverage where hazardous materials are involved. Each contractor should name the facility as additional insured with a waiver of subrogation.
Manufacturers require certificates from suppliers because a defective component can surface in the finished product and trigger a liability claim against the manufacturer. Requiring product liability and completed operations coverage from each supplier, with the manufacturer named as additional insured, pushes that exposure back upstream to the party that made the part. A certificate is how the manufacturer verifies the coverage actually exists.
Completed operations coverage protects against claims that arise after a contractor or supplier finishes work, such as a faulty installation or component that fails months later. Manufacturers require it because the most expensive claims at a plant often surface long after the crew has left or the part has shipped. Verifying completed operations on the certificate, not just general liability, closes a common gap.
On-site contractors at a plant typically need general liability, workers compensation, and commercial auto, with umbrella coverage on larger jobs. Contractors doing hot work, welding, confined-space entry or hazardous-material handling are often required to carry higher limits and pollution coverage. The plant should also be named as additional insured so it has access to the contractor policy if an incident occurs on site.
Yes. Being named as additional insured gives the manufacturer access to the contractor or supplier policy and defense costs if a claim arises from that party work. Without additional insured status, the facility may be left relying only on its own coverage after an on-site injury or a product claim. The certificate should confirm both additional insured status and, ideally, a waiver of subrogation.
Manufacturers track contractor and supplier insurance by collecting a certificate from each party, checking the coverages and limits against their requirements, confirming additional insured status, and monitoring expiration so coverage stays current. Doing this by hand across many plants and a rotating contractor base is slow and error-prone, so most move to COI tracking software that reads each certificate and flags any that are short or expired.
Pricing depends on how many contractors and suppliers you track and whether you want self-serve software or a managed service. COISoftware lists transparent monthly pricing and offers a free tier, so a single plant or a multi-site manufacturer can start reading and verifying certificates without a sales call. You can test it on your own contractor certificates before paying anything.
Collect, verify and track every contractor and supplier COI in one place.
Track on-site maintenance and project crews the same way.
Verify a contractor or supplier COI is real, current and meets your limits.
