COISoftware is COI verification software that reads each certificate of insurance with AI and verifies it against the rules you set, so every COI is checked the same way in seconds instead of by eye. It confirms the coverages, limits, dates and endorsements you require, flags anything short, expired or altered, and keeps a dated record of what you verified. Upload a COI above to see the verification run.
Last updated June 2026
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What changes when software does the verification instead of a person reading each certificate by hand.
| Verification step | Manual, by hand | COI verification software |
|---|---|---|
| Read the certificate | Someone opens each PDF and types the fields into a file | AI reads every field automatically, including scans and photos |
| Check coverage and limits | Compared by eye against the contract, easy to miss a short limit | Each certificate is scored against the rules you set for that vendor |
| Confirm endorsements | A glance at the ticked box, the actual wording rarely confirmed | Additional insured, waiver and primary wording surfaced for review |
| Catch expired coverage | Only caught if someone checks the date that day | Expiration tracked and flagged before the policy lapses |
| Spot altered or fake COIs | Hard to tell an edited PDF from a real one | Inconsistencies flagged so suspect certificates rise to the top |
| Prove what you verified | Reconstructed from email threads after the fact | Dated record of every check stored with the certificate |
| Scale to hundreds of vendors | Breaks down past a few dozen | Every certificate verified the same way, no matter the volume |
Market pricing for COI verification software generally runs from a few dollars per vendor per year for self-service to more for full-service managed review. COISoftware lists transparent monthly pricing and a free tier.
Reading a single certificate is easy. Verifying that every certificate is real, current and adequate, across every vendor, every renewal, is where manual work breaks.
A certificate can be completely genuine and still fail your requirement. If your contract calls for 2 million in general liability and the COI shows 1 million, the document is real but the coverage is not enough. By-eye checks miss this constantly.
A COI is a PDF, and PDFs are easy to edit. A vendor can change a limit, a date or an insurer name in seconds. Without checking each field against a rule, you cannot reliably tell an altered certificate from a real one.
A certificate that verified clean at onboarding lapses the day the policy renews or is cancelled. If nobody is watching, you carry an uninsured vendor without knowing it, and the certificate on file still looks fine.
Additional insured status, waiver of subrogation and primary and noncontributory wording are often required and often missing. The box on the COI can be ticked without the actual endorsement behind it.
The insured has to be the exact legal entity you are contracting with. A COI for a related company, a sole owner or a different DBA may not cover the work at all, and a quick read does not catch the mismatch.
Verifying five certificates by hand is fine. Verifying five hundred, every renewal, against changing requirements, is not. Different people check differently, and things slip the moment volume climbs.
Most coverage gaps and most COI fraud are not caught by a quick glance at the PDF. They are caught by checking each certificate against a written requirement, watching the expiration date, and flagging anything that does not match. That is exactly the kind of repetitive, rule-based work software does better than a person: read every field, score it against your rules, monitor the dates, and surface only the certificates that need a human, on every COI, automatically. For the manual process behind it, see our guide to certificate of insurance verification.
COISoftware reads each certificate with AI and verifies it against your requirements, so every COI is checked the same way, every time, and only the exceptions reach a person.
Upload any certificate and the AI extracts the insurer, policy numbers, coverage types, limits, effective and expiration dates and additional insured status, even from scans and phone photos.
Set your minimum limits and required coverages once. Every certificate is checked against the rule for that vendor and flagged the moment a limit is short or a coverage is missing.
See the named insured and whether additional insured and other required endorsements are present, so a real-looking COI does not hide a coverage gap.
Expired dates, mismatched names and limits below requirement are surfaced so the certificates that need a closer look, including possible fakes, rise to the top.
Verification is not a one-time event. Automated reminders at 60, 30 and 15 days mean a certificate that lapses is caught before it becomes your problem.
Every certificate, its extracted data and its verification result are stored together, so you can show exactly what you verified and when if a claim or audit arrives.
COI verification software fits anywhere a person is currently reading certificates by hand. It reads the ACORD 25 and the broader certificate of liability insurance, then ties each verified certificate into full certificate of insurance management software and ongoing COI compliance software. For the manual checklist behind the automation, read how to do certificate of insurance verification by hand.
Four steps replace the manual read-and-compare with an automated check on every certificate.
Enter the coverages, minimum limits and endorsements you require, by vendor type if they differ. This becomes the rule every certificate is verified against.
Tip: Start with the limits written into your standard contract.
Drop in a PDF, a scan or a phone photo, or forward the COI by email. The AI reads every field automatically, so there is no manual data entry.
Tip: Vendors can be invited to submit certificates directly.
The certificate is checked against your rules in seconds. Coverages, limits, dates, named insured and endorsements are confirmed, and anything short, expired or inconsistent is flagged.
Tip: Only the exceptions need a human; clean COIs pass automatically.
Each verified certificate is tracked for expiration and mid-term changes, and the verification is stored with a date, so you can prove what you checked at any later point.
Tip: Pull the dated record straight into an audit or claim file.
Any team that has to confirm vendor, subcontractor or tenant insurance and cannot keep checking it by hand.
A risk team accountable for third-party coverage needs every certificate verified the same way, with proof. COISoftware checks each COI against the requirement and stores a dated result, feeding the full COI compliance software workflow.
Teams onboarding vendors constantly need each one verified before work starts. The software reads and checks each certificate the same way it handles subcontractor COI tracking for contractors, so nothing mobilizes uninsured.
Operators verifying vendor and tenant certificates across many locations need every COI checked and watched, not just filed. Pair verification with vendor insurance compliance software, and for property portfolios the COI tracking for property management page covers the full workflow.
COI verification software reads each certificate of insurance with AI and checks it against the coverage, limits and endorsements you require, then flags anything short, expired or inconsistent. Instead of a person reading every PDF by hand, the software verifies each certificate the same way in seconds, monitors it for expiration and mid-term changes, and keeps a dated record of what was checked, so verification is consistent and provable across every vendor.
The software extracts every field from the certificate, the insurer, policy numbers, coverages, limits, dates and additional insured status, then compares each one against the rule you set for that vendor. It confirms the coverages and limits meet your requirement, checks the named insured and endorsements, and flags any value that is short, missing or expired. Clean certificates pass automatically and only the exceptions reach a person.
COI verification software cannot certify a document is genuine on its own, but it catches the inconsistencies that give most fakes and alterations away. It flags limits that do not match the policy, dates that conflict, a named insured that is wrong, and coverages that fall short, so an altered certificate stops looking clean. For anything high risk, the software surfaces the certificate so you can confirm it with the issuing agent or carrier.
COI tracking software records that a certificate exists and when it expires. COI verification software goes further and confirms each certificate actually meets your requirements, checking coverages, limits and endorsements and flagging anything short or missing. In practice good software does both: it verifies each certificate against your rules and then tracks it for renewal and mid-term change, so verification and tracking run together in one place.
Yes. Checking limits and endorsements is the core of verification. The software compares each certificate against the minimum limits and required coverages you set, and surfaces whether additional insured, waiver of subrogation and primary and noncontributory wording are present. A certificate that is genuine but carries a short limit or is missing a required endorsement is flagged the same as one that is expired.
Yes. Verification is not a one-time event, because a certificate that verified clean at onboarding lapses when the policy renews or is cancelled. The software tracks every verified certificate for expiration and mid-term changes, sends reminders before a policy lapses, and re-checks each new certificate against your rules at renewal, so a vendor that drops below requirement is caught while the work is still going.
Pricing depends on how many vendors you verify and whether you want self-serve software or a managed service, with market pricing generally running from a few dollars per vendor per year for self-service to more for full-service review. COISoftware lists transparent monthly pricing and offers a free tier, so you can start verifying certificates against your requirements without a sales call and test it on your own COIs before paying anything.
The manual checklist behind the automation: verify a COI and spot a fake.
Score every verified vendor compliant or non-compliant in the same system.
The full platform that reads, verifies, tracks and stores every COI.
