Collect certificates of insurance from every vendor and subcontractor, confirm their coverage meets your requirements, and get alerted before a policy lapses. COISoftware keeps your third parties compliant so an uninsured vendor never becomes your problem.
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When a subcontractor's policy lapses or never met your requirement in the first place, their claim, injury or property damage can land on your insurance and your balance sheet.
A vendor's policy expires mid-project and nobody is alerted. The work continues uninsured until something goes wrong.
A certificate arrives showing $500,000 in general liability when your contract demands $1,000,000. Without verification, it gets filed as compliant.
The endorsement that protects you is not on the policy, so a claim against the vendor never extends to your business.
Uninsured subcontractors can be reclassified as your employees at audit, adding premium you never budgeted for.
Chasing certificates by email across dozens or hundreds of vendors is a full-time job that still leaves gaps.
A client or insurer asks for evidence that your vendors are covered and you cannot produce it quickly.
Requiring a certificate is the easy part. Confirming the coverage is real, sufficient and current across every vendor, on every renewal, is where manual tracking breaks down. Vendor insurance compliance software automates collection, verification and follow-up so the burden stops falling on a person and a spreadsheet.
COISoftware reads each vendor certificate, checks it against your rules, and chases the renewals for you.
Every vendor certificate is read by AI, including insurer, policy numbers, coverage limits, dates and additional insured status, so nothing is retyped by hand.
Define minimum limits and required endorsements per vendor type or project, and COISoftware marks each certificate compliant or non-compliant against them.
Reminders fire at 60, 30 and 15 days before expiration so vendors renew before coverage lapses, not after.
See exactly which vendors are compliant, expiring or deficient at a glance, filtered by project, property or trade.
Flag certificates missing the additional insured or waiver of subrogation endorsements your contracts require.
Export a clean vendor compliance report for clients, insurers and auditors in seconds.
COISoftware reads the certificates your vendors actually send, from the ACORD 25 to the certificate of liability insurance, and verifies the coverage against your requirements automatically. For the full picture of collecting, reading and tracking certificates across your business, see our certificate of insurance management software.
Get every vendor verified and monitored in three steps.
Upload existing vendor COIs or forward them in. COISoftware reads each one automatically, no manual entry.
Tip: Batch upload your whole vendor list at once to get a baseline fast.
Set the minimum limits and required endorsements each vendor or project must carry. Certificates are checked against these rules on upload and on every renewal.
Track compliance on the dashboard, let automated reminders chase renewals, and pull a report whenever you need proof.
Any business that hires, leases to, or relies on third parties carrying their own insurance.
Verify every subcontractor before they reach the job site.
Hold tenants and service vendors to lease insurance requirements.
Track suppliers, cleaners, haulers and on-site contractors.
Confirm every franchisee and their vendors carry required coverage.
General contractors carry the most concentrated risk: an uninsured subcontractor with an injured worker can turn into a claim against the GC's policy and a workers compensation audit surprise. Property managers face the same problem with tenants and building vendors, where a lease spells out coverage that nobody verifies until a flood or fire. COISoftware gives every one of these teams a single place to confirm coverage and prove it. To understand one of the most commonly missed requirements, read our guide on additional insured endorsements.
Vendor insurance compliance means confirming that every vendor, subcontractor or tenant you work with carries the insurance coverage your contract requires, and that it stays active. It involves collecting their certificate of insurance, verifying the limits and endorsements, and tracking the expiration so coverage never lapses while they work for you.
You collect each subcontractor's certificate of insurance, verify the coverage meets your requirements, and monitor the expiration dates so policies are renewed on time. COISoftware automates all three: it reads each certificate, checks it against your rules, and sends renewal reminders before any policy lapses.
A certificate of insurance proves a vendor carries active coverage, so their accidents, injuries or property damage are paid by their insurer rather than yours. Without it, an uninsured vendor's claim can fall on your policy, and at audit an uninsured subcontractor can even be reclassified as your employee, raising your premium.
An additional insured endorsement extends a vendor's liability policy to cover your business for claims arising from their work. It matters because a certificate alone does not grant this protection; the endorsement must be on the policy. COISoftware flags certificates missing the additional insured status your contracts require.
Collect a certificate before any vendor begins work, then again at every policy renewal, which is usually annually. Because renewal dates differ by vendor, automated tracking is the only reliable way to stay current. COISoftware monitors each policy's expiration and requests the new certificate before the old one lapses.
If a vendor's policy lapses, any claim during the gap may be uninsured and can fall to your business. That is why renewal reminders matter. COISoftware alerts you and flags the vendor as non-compliant at 60, 30 and 15 days before expiration, so you can pause work or collect a renewal before coverage ends.
Yes. Manual tracking breaks down past a few dozen vendors, but software does not. COISoftware reads certificates in batches, applies your requirement rules to each one, and shows the compliance status of every vendor on a single dashboard, whether you manage twenty vendors or several thousand.
