Stop chasing expired certificates and never get caught uninsured. AI-powered COI tracking software reads each certificate of insurance, verifies ACORD 25 coverage and endorsements, and keeps every vendor compliant automatically.
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COI compliance by the numbers
Certificate of insurance non-compliance is common and expensive. These industry figures explain why risk and compliance teams move COI tracking off spreadsheets.
of certificates of insurance are non-compliant when first collected, and it takes an average of three follow-ups to make one compliant, according to industry certificate-tracking data (2025).
of general liability claims end in a lawsuit, and a GL claim that goes to court averages more than $75,000 to defend and settle, per The Hartford claims data.
is the average cost of a product-liability claim, and a customer or contractor injury claim averages about $30,000, according to Insurance Journal.
Figures summarize publicly reported insurance-industry and certificate-tracking sources. Individual results vary. Last reviewed July 2026.
Every compliance document
COISoftware extracts structured data from ACORD forms and carrier certificates with no template setup, whatever the carrier layout.
Insureds, carriers, NAIC, policy numbers, limits, dates
CG 20 10, CG 20 37, blanket vs scheduled wording
CG 24 04 and WC 00 03 13 schedules verified
Coverages, limits, deductibles, forms schedules
Principal, obligee, penal sum, bond type, dates
TINs, classifications, license numbers, expirations
Property coverage, mortgagees, additional interests
Claims history, incurred totals, experience modifiers
How it works
No spreadsheets to maintain, no manual keying, no certificates lost in inboxes.
Upload certificates yourself or let vendors and their agents submit them, single files or batches of thousands.
Every limit, date, policy number and endorsement checkbox is extracted, validated and compared against your requirements.
Expirations and deficiencies are flagged before they become exposure. Export to Excel, CSV, JSON or sync via API.
Built for risk transfer
A checkbox on a certificate is not proof. COISoftware reads the ACORD form and the endorsement pages, so you know the coverage your contract requires is really there.
{
"document_type": "acord_25",
"status": "completed",
"confidence": 0.991,
"fields": {
"named_insured": "Apex Roofing LLC",
"gl_each_occurrence": 1000000,
"gl_aggregate": 2000000,
"gl_expiration": "2026-11-01",
"additional_insured": true,
"waiver_of_subrogation": true
},
"compliance": { "status": "compliant" }
}Security & compliance
Bank-grade security, granular access controls, and the certifications enterprise procurement and security teams expect.
We hold no SOC 2 attestation or ISO 27001 certificate today and will not imply otherwise. Security documentation is available on request.
TLS 1.2+ in transit and AES-256 at rest for every certificate and export.
EU/US data residency options and full data-subject controls.
A Business Associate Agreement can be put in place before any protected health information is processed. We hold no HIPAA certification.
Enterprise identity, provisioning and role-based access control.
A full activity trail for every certificate, ready for your next insurance audit.
By industry
Construction GCs, property managers, franchisors, hospitals, municipalities and logistics teams use COISoftware to keep every third party compliant.
Track subcontractor COIs per project and per trade. Verify additional insured status before anyone steps on site.
Learn moreTenant and vendor certificates tracked per property, with the landlord verified as additional insured on every one.
Learn moreAccelerate certificate review, loss-run analysis and renewal workflows with structured policy data.
Learn moreCustomers
"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."
"The endorsement checks are the difference. Other tools read the checkbox; COISoftware reads the CG 20 10 itself and catches the ones that don't name us."
"We wired the API into our vendor onboarding portal in an afternoon. Certificates in, compliance status out, no template maintenance."
Upload your first certificates in minutes, or talk to our team about migrating your whole vendor list.
FAQ
COI tracking software collects certificates of insurance from your vendors, subcontractors and tenants, extracts the coverage data, verifies it against your insurance requirements, and tracks expirations so you are never exposed by a lapsed or insufficient policy.
ACORD 25 certificates of liability insurance, ACORD 24/27/28 property forms, additional insured endorsements (CG 20 10, CG 20 37), waivers of subrogation (CG 24 04, WC 00 03 13), policy declarations, surety bonds, W-9s, business licenses, loss runs and more.
Both. The ADDL INSD and SUBR WVD checkboxes on an ACORD 25 are informational only, so COISoftware also reads the endorsement pages themselves to confirm the wording, schedule and form numbers your contract requires.
Every coverage line is tracked separately by its own expiration date. You and your vendors get reminders ahead of renewal, and dashboards flag anything expired, expiring or deficient.
Yes. POST a certificate and receive clean structured JSON with limits, dates, endorsement status and compliance results, plus webhooks for automation inside your own onboarding or procurement systems.
Simple self-serve plans with no per-vendor minimums and no mandatory service contracts. Start free and upgrade when your volume grows. Enterprise plans add SSO, audit logs and dedicated support.
Resources
Aug 10, 2026
The two digits after CG 20 10 decide whether the endorsement covers completed operations, caps your limits, or is worth almost nothing. Here is what each edition changed.
Read more →Aug 5, 2026
The ACORD 855 addendum makes a broker disclose what a certificate hides: excluded operations, building height limits and stripped-out coverage.
Read more →Aug 5, 2026
CG 22 94 and CG 22 95 delete the subcontractor exception that makes a CGL policy respond to construction defect claims. How to spot them on a certificate.
Read more →Upload a certificate above or start your free account in minutes.
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Start tracking vendor certificates of insurance and never miss an expiration.
USD
per month
billed as
$288 yearly
Choose speed vs accuracy when extracting
| Base AI Faster | 2,500 pages |
| Pro AI Best accuracy | 500 pages |
Scale COI compliance across your whole team with automated reminders.
USD
per month
billed as
$888 yearly
Choose speed vs accuracy when extracting
| Base AI Faster | 10,000 pages |
| Pro AI Best accuracy | 2,000 pages |
Enterprise‑grade COI tracking, security, and controls.
USD
per month
billed as
$ yearly
Choose speed vs accuracy when extracting
| Base AI Faster | pages |
| Pro AI Best accuracy | pages |
Custom workflows and deployment for AI automation at scale