COISoftware collects a certificate of insurance from every hauler, disposal contractor and environmental subcontractor you work with, reads each ACORD 25 with AI, checks general liability, commercial auto, contractors pollution liability and workers compensation against your requirements, and confirms your municipality or company is named as additional insured. Built for US municipalities, haulers and environmental services firms. Upload a COI above to see it read in seconds.
Last updated July 2026
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A residential hauler, a hazardous waste transporter and a remediation crew carry different risk, so waste programs require different coverage by scope. These are common starting points, not legal or insurance advice.
| Contractor type | Coverage commonly required | Why the program verifies it |
|---|---|---|
| Residential and commercial collection | General liability, commercial auto, workers compensation, additional insured | Routes run on a fleet, so the auto exposure is central alongside general liability |
| Hazardous waste transporters | Commercial auto with MCS-90, contractors pollution liability, general liability, umbrella | Hazardous loads on the road carry a pollution and catastrophic auto exposure standard coverage excludes |
| Transfer stations and disposal sites | General liability, contractors pollution liability, umbrella, additional insured | A leak or contamination at a site is an environmental loss general liability does not answer |
| Remediation and environmental cleanup | Contractors pollution liability, general liability, professional liability, umbrella | Cleanup work carries both a pollution exposure and a professional exposure for the remediation plan |
| Roll off and equipment subcontractors | General liability, commercial auto, additional insured, waiver of subrogation | Subcontracted hauling and equipment still runs under your contract, so both are verified |
Set requirements to your own service contracts, RFPs and risk tolerance. Coverages shown are common starting points, not legal or insurance advice.
Waste and environmental work carries an exposure most vendor tracking ignores: pollution. A spill, a leaking load or contaminated soil at a transfer station is a loss standard general liability excludes, and much of the risk moves on the road in a fleet of trucks. Because the exposure is environmental and mobile, this work requires specialized coverage that a generic certificate check misses.
A hauler that spills, a disposal contractor that mishandles a load, or a site that leaks all create a pollution loss, and a standard general liability policy excludes it. Verifying contractors pollution liability or environmental impairment coverage on the contractors that actually need it is a check a general certificate review skips entirely.
Collection, transfer and disposal all run on a fleet, so commercial auto is central, and hazardous loads may require an MCS-90 endorsement. A certificate that shows general liability but a thin or missing auto limit leaves the largest exposure uncovered, and catching that by eye across a roster of haulers is where manual review breaks down.
A municipality or a prime hauler that subcontracts routes requires additional insured on a primary and noncontributory basis plus a waiver of subrogation, so a subcontractor loss stays with the subcontractor insurer. Confirming the exact endorsement forms are attached, not just that a box is checked, is slow and easy to get wrong across many contractors.
A residential collection route, a hazardous waste transporter and a remediation crew each carry a different risk profile and a different coverage requirement. Holding each contractor to the right rule, rather than one blanket limit, is repetitive work that grows with every route and every site.
A hauler cleared six months ago may be running on coverage that expired last week. Without automatic renewal tracking, a lapsed COI sits unnoticed until a spill or an accident exposes it, and with an environmental loss that gap can be enormous.
A prime hauler or a municipality subcontracting routes tracks dozens of contractors whose coverage renews on different dates, and a log kept by hand falls behind the moment a hauler changes. That is where renewals slip and a certificate that lapsed weeks ago is still marked green.
The certificate a hauler hands over at onboarding is a snapshot from that day, not proof of coverage through a multi year contract. Confirming that every contractor bought the right coverage, including the commercial auto, pollution liability and endorsements waste work needs, kept it current, and named your municipality or company as additional insured on a primary and noncontributory basis is repetitive, rules based work across a rotating roster. That is exactly what software handles well. Certificate of insurance management software reads every certificate, checks it against each contractor requirement, and flags anything short, expired or missing, so your team is not chasing PDFs before a truck runs a route.
COISoftware reads every contractor certificate, checks it against the pollution, auto and endorsement requirements waste work demands, confirms additional insured and waiver of subrogation, and gives you one view of insurance compliance across every hauler and every site.
Upload a certificate from a hauler, disposal contractor or remediation crew and the AI pulls the insurer, policy numbers, coverage types, limits, effective and expiration dates and additional insured status, even from scans and phone photos.
Require contractors pollution liability or environmental impairment coverage on the scopes that need it, and every certificate is checked for it, so a contractor carrying only standard general liability is flagged before a spill exposes the gap.
Set the commercial auto limit each route requires and flag hazardous scopes that need an MCS-90 endorsement, so the exposure that actually moves on the road is covered rather than assumed.
See whether your municipality or company is named as additional insured on a primary and noncontributory basis with a waiver of subrogation, so the endorsement your contract requires is verified rather than assumed.
Track every hauler and subcontractor across every route and site in one dashboard, filter by scope or contract, and hand any auditor or council a clean, current compliance record whenever they ask for proof.
When a contractor certificate is about to expire, COISoftware chases for a renewed COI automatically, so no truck runs a route on coverage that lapsed mid contract.
COISoftware reads the ACORD 25 and the broader certificate of liability insurance, then ties every 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. Haulers and disposal crews are verified the same way as carrier and freight COIs in logistics, and public agencies run it alongside COI tracking for government.
Standing up insurance compliance for a new hauler follows the same four steps.
Enter the coverages, limits and endorsements each scope requires, and set the pollution, commercial auto and MCS-90 rules hazardous work needs. Vary the rule so a residential collection route and a hazardous waste transporter each get the right requirement.
Tip: Copy the insurance exhibit straight from your service contract or RFP so the requirement is tracked from day one.
Request a COI from each hauler, disposal contractor and subcontractor or upload the certificates you receive. The AI reads every one automatically, so onboarding a roster of routes does not turn into hours of manual data entry.
Each certificate is checked against the requirement for that scope. A short auto limit, missing pollution coverage, absent MCS-90, and a missing additional insured or waiver of subrogation endorsement are flagged before a hauler is cleared to run.
Automated reminders chase any expiring certificate on any route, so coverage stays current across every contractor without your team tracking dates by hand.
Anyone responsible for proving that every hauler and contractor carries the coverage the service contract requires, including the pollution coverage a spill demands.
A city or county that contracts collection and disposal has to prove every hauler on a public contract carries the required limits, pollution coverage and endorsements and names the municipality as additional insured. COISoftware turns each requirement into a live status, so a public works or procurement team sees a clear pass or flag instead of chasing certificates from every contractor and reconciling them against every RFP by hand.
A prime that subcontracts routes verifies coverage matched to each scope. The same dashboard tracks certificates by route, and haulers are verified the same way as carriers under COI tracking for logistics, while public contract work runs alongside COI tracking for government.
The manager accountable if an uninsured spill lands on the company is the one who needs proof of pollution coverage on every contractor. 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.
Waste contractors commonly carry general liability, commercial auto, workers compensation and, for hazardous or environmental scopes, contractors pollution liability. Hazardous transporters may also need an MCS-90 endorsement, and municipal or prime contracts usually require the contractor to name the client as additional insured on a primary and noncontributory basis with a waiver of subrogation.
Because a standard general liability policy excludes pollution. A spill, a leaking load or contaminated soil is an environmental loss general liability will not pay, so waste and environmental contractors carry contractors pollution liability or environmental impairment coverage to answer that specific exposure. Verifying it on the contractors that need it is a check a generic certificate review skips.
An MCS-90 is a federal endorsement that guarantees a motor carrier will pay for pollution related and public injury losses up to a set limit, even if a policy would otherwise not respond. It is commonly required of carriers hauling hazardous materials, so a waste program verifying hazardous transporters checks that the endorsement is attached.
By holding each contractor to the requirement in its specific contract and monitoring every certificate for expiration. COI tracking software reads each certificate, checks the limits, pollution coverage and endorsements against the RFP, and shows one status board, so a public works team is not reconciling PDFs against contracts by hand or discovering a lapse after an incident.
The AI reads every certificate as it arrives, checks each against the scope requirement, and shows one live status board across every route and contractor, so onboarding a roster of haulers does not turn into hours of manual data entry. Renewal reminders then chase any expiring certificate automatically, so coverage stays current through the whole contract.
Pricing depends on how many haulers and contractors 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 municipality or hauler can start reading and verifying certificates without a sales call. You can test it on your own certificates before paying anything.
