COI Compliance Checker
Stop manually comparing COIs against insurance requirements.
Upload a certificate, choose your requirements, and get a line-by-line compliance report showing what passes, what fails, and what needs review.
Set your requirements once
Choose a basic template or create your own insurance requirements:
- General Liability per occurrence
- General Liability aggregate
- Commercial Auto limit
- Workers’ Compensation required or not required
- Umbrella / Excess Liability minimum
- Additional Insured required
- Waiver of Subrogation required
- Minimum days before expiration
See every issue in plain English
The report does not just say “non-compliant.”
It tells you why:
- General Liability limit is below your requirement
- Workers’ Compensation was not found
- Policy expires in less than 30 days
- Certificate Holder does not match your legal entity
- Additional Insured language is missing or unclear
- Waiver of Subrogation is not indicated
Designed for operations teams
The checker is built for property managers, general contractors, facility teams, procurement teams, and small businesses that need a fast document-level review before approving a vendor.
Why this is different from full COI tracking software
You do not need to implement a full vendor compliance platform to check whether one certificate meets your requirements.
Start with one function: upload a COI and get a compliance result.
FAQ
Can I save custom requirements?
Yes. You can create requirement templates for different vendor types, properties, projects, or risk levels.
Does the checker verify coverage with the insurance carrier?
The standard check reviews the certificate document. Carrier confirmation may still be needed for high-risk vendors, suspicious documents, or unclear policy language.
Can it check Additional Insured and Waiver of Subrogation?
Yes. The checker can flag whether Additional Insured and Waiver of Subrogation indicators or wording appear on the certificate. For actual policy protection, endorsements may need to be reviewed.
Disclaimer
This tool provides document-level review of Certificates of Insurance. It does not provide legal advice, insurance advice, or guarantee that coverage is active. For high-risk work, suspicious certificates, or unclear endorsements, confirm details with the issuing broker, carrier, or legal counsel.