COI tracking for general contractors
Stop chasing subcontractor insurance.
Collect COIs, check them against your requirements, and automatically remind subs before policies expire. See missing certificates and coverage gaps in one dashboard.
From $49/month · No accounts for subs · Cancel anytime
A clear picture of every COI.
Northline Builders · 24 active subs
- Bright ElectricGL limit: $500k · $1M requiredNeeds a fix
- North RoofingAuto policy expires in 12 daysExpiring
- Summit MasonryUpload link sent · awaiting COIMissing COI
- Clearwater PlumbingMeets your COI requirementsCompliant
Already have a folder full of COIs? We’ll load your first 50 subs for you. Free with any plan.
Get setup helpFrom paperwork to a clear next step
Catch the gap.
Skip the back-and-forth.
A certificate in your inbox is only the beginning. Certy reads it, checks the details, and helps you follow up.
Know what needs fixing.
AI reads each ACORD 25 PDF or photo and checks limits, dates, and additional insured indicators against your requirements.
Review and correct extracted fields anytime.
- General liability$1M / $2M
- Auto liability$1M CSL
- Additional insured on GL
- Auto expiresin 19 days
- Vendor emailed with the fix list · just now
Example certificate and check results.
The follow-up is already scheduled.
Subs get reminders 30, 14, and 7 days before a policy expires, then weekly while a COI is missing, expired, or falls short.
Every email includes their private upload link.
Your auto policy expires in 14 days
Hi North Roofing,
Northline Builders needs an updated certificate for your auto liability policy. Please upload the renewal using your private link.
Illustrative reminder. No account or app needed by the sub.
How it works
Your sub list. Your requirements.
A lot less chasing.
Bring your sub list
Add subs individually or import your spreadsheet. Set the insurance limits and other requirements from your contracts.
Send a private upload link
Each sub sees exactly what you need and uploads a PDF or phone photo. No account, password, or app to install.
See what needs attention
Review certificate checks in one dashboard. Automatic reminders follow up on renewals and missing COIs.
Pricing
Choose a plan for your sub list.
Choose by the number of active subs. Every plan includes upload links, certificate checks, and automatic reminders.
Starter
For small crews and single properties.
- 25 active subs
- 50 AI certificate reads / month
- Sub upload links — no login for subs
- Automatic expiry & missing-COI reminders
- Compliance check against your requirements
Growth
For busy GCs and growing portfolios.
- 150 active subs
- 300 AI certificate reads / month
- Sub upload links — no login for subs
- Automatic expiry & missing-COI reminders
- Compliance check against your requirements
Pro
For large subcontractor and vendor lists.
- 500 active subs
- 1,000 AI certificate reads / month
- Sub upload links — no login for subs
- Automatic expiry & missing-COI reminders
- Compliance check against your requirements
30-day money-back guarantee — if it isn’t right for you, we refund your first payment.
Setup help included
Bring your COIs. We’ll handle the move.
We’ll load your first 50 subs, help match your requirements to your contracts, and send their upload links. Free with any plan, within its active-sub limit.
What is manual COI tracking costing your team?
Estimate the time you spend requesting, reviewing, and filing COIs using your own numbers.
The time alone is worth 3.6× what Certy costs. This estimates your current time cost, not guaranteed savings. You’ll still need to review flagged certificates.
Start tracking subsFAQ
Questions, answered.
- 01
Do my subs need an account or an app?
No. Each sub gets a private upload link that works on a phone or computer. It lists your insurance requirements and accepts a PDF or photo of their COI. The same link works for renewals.
- 02
We already use a spreadsheet. What changes?
Certy reads the certificate, checks it against your requirements, and emails subs for renewals and missing COIs. Import your sub list from a spreadsheet, then use the dashboard to see which certificates need attention.
- 03
What does Certy check, and can I correct the AI?
It checks general liability, auto, umbrella/excess, workers’ comp and employers’ liability limits, additional insured and waiver of subrogation indicators, the certificate holder name, and policy expiration dates. AI can make mistakes. You can review and correct every extracted field, and the checks re-run when you save.
- 04
Can you help us get started?
Yes. Setup help is free with any paid plan. We’ll load your first 50 subs from the COIs you already have, help you set your requirements, and send their upload links. The Starter plan holds up to 25 active subs; choose Growth or Pro if you need more.
- 05
Is there a free trial? What if it isn’t right for us?
You can check a certificate with the free ACORD 25 checker without signing up. Ongoing tracking requires a paid plan, starting at $49/month. Cancel anytime from billing settings. If you’re unhappy within 30 days of your first payment, email us for a full refund.
- 06
Does a compliant COI guarantee insurance coverage?
No. A certificate is informational and does not change the policy. Certy checks what the certificate shows against your requirements. Collect the relevant endorsements and confirm coverage details with your broker when needed.
Keep the COIs moving. Get back to the job.
Track your subs from $49/month, with setup help included and a 30-day money-back guarantee.
Managing properties instead? See Certy for property managers