Where teams put COI tracking to work

Vendor onboarding
Collect and verify each new vendor certificate of insurance before work starts, so no one gets on site or under contract without proof of coverage on file.
Expiration tracking
Read the effective and expiration dates off every ACORD 25 and get automatic reminders before a policy lapses, so no vendor ever quietly falls out of compliance.
Coverage limit verification
Check each certificate against your required general liability, auto, umbrella and workers comp limits automatically, and flag anything that falls short of the contract.
Additional insured checks
Confirm your entity is named as additional insured and that blanket or scheduled endorsement wording (CG 20 10, CG 20 37) is actually attached, not just claimed on the cert.
Portfolio compliance view
Roll every vendor, subcontractor and tenant into one dashboard that shows at a glance who is compliant, who is expiring soon, and who is missing coverage today.
Audit-ready reporting
Hand auditors and insurers a clean, exportable record of every certificate, limit and endorsement on file, traceable back to the original PDF, with no binders to reconcile.
Subcontractor compliance
Keep every subcontractor certificate current across active jobs and tie coverage back to the right project, so a lapsed sub never puts a general contractor at risk.
Property & tenant insurance
Track tenant and lessee certificates against lease insurance requirements, confirm the landlord is named, and catch renters whose coverage has quietly expired.
Waiver of subrogation
Verify that required waivers of subrogation (CG 24 04, WC 00 03 13) are present and scheduled correctly, instead of trusting a checkbox on the face of the certificate.
Facility & event vendors
Require and track proof of insurance from caterers, contractors and one-off event vendors so a facility never opens its doors to an uninsured third party.
Multi-location programs
Standardize COI requirements across branches, franchises and regions, keeping both the original certificate and the parsed data so consolidated compliance reporting actually reconciles.
Fraud & mismatch detection
Flag altered certificates, mismatched insured names, and carrier or policy-number details that don't line up before an uninsured vendor ever slips through onboarding.
System-ready exports
Generate clean XLSX, CSV or API output of every certificate and its compliance status, mapped to your GRC, ERP or vendor-management system for a drag-and-drop import.
Carrier & fleet compliance
Track auto liability and cargo coverage for motor carriers and owner-operators, and approve only the vehicles and drivers backed by current, in-limit certificates.
"We track certificates for 1,400 subcontractors across 60 active projects. What took two coordinators a full week now happens automatically the moment a COI lands."
R
Risk Manager
Commercial General Contractor
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