COI Tracker
COI Tracker is the engine that reads a vendor's ACORD 25 certificate of insurance and checks it against your contract's insurance requirements. It extracts coverage types, limits, additional-insured endorsements and expiry dates, then flags every gap: missing coverage, limits below requirement, unlisted endorsements and coverage about to expire.
Updated
What does the COI Tracker engine do?
COI Tracker reads the certificate and extracts: GL / Auto / WC / Umbrella / Professional-Liability / Pollution limits with per-occurrence and aggregate values, expiry dates, additional-insured endorsements, waiver-of-subrogation clauses, and primary-and-non-contributory language. It then compares to your contract's insurance schedule (either pasted or chained from Contract Review) and flags every gap — coverage types missing, limits below requirement, endorsements not listed, coverage about to expire.
When should I use the COI Tracker engine?
Use the COI Tracker engine to verify a new vendor's COI before work starts, to check that an annual renewal still meets requirements, or to audit all current vendors for 30, 60 and 90-day expiries.
- New vendor onboarded — verify their COI before work starts.
- Annual COI renewal arrived — check that limits and endorsements still meet requirements.
- Expiry audit — run against all current vendors to catch 30/60/90-day expiries.
What do I upload to the COI Tracker engine?
Upload the vendor's ACORD 25 certificate of insurance as a PDF, and either paste the contract's insurance requirements or chain in from Contract Review, which fills them in automatically.
- ACORD 25 certificate of insurance (PDF)
- Contract insurance schedule — either paste the requirements text or chain from Contract Review (auto-populated)
How do I run the COI Tracker engine?
To run the COI Tracker engine, open it, upload the certificate and the requirements, run it, review the coverage table, check the expiry alerts and import the results to the tracker.
Open the engine
Sidebar → Engines → COI Tracker.
Upload COI + requirements
COI PDF in one slot; contract requirements pasted or chained into the other.
Run
20–40 seconds.
Review the coverage table
Side-by-side required vs actual for each coverage type.
Check expiry alerts
30/60/90-day bands for upcoming renewals.
Import to tracker
Click Import to COI Tracker to save this vendor's COI state with auto-alerts.
How do I read the COI Tracker engine results?
The result is a coverage-versus-requirement table and an endorsement table, with expiry alerts and an overall compliance status.
Each coverage line (GL, Auto, WC, Umbrella, etc.): required limit vs actual limit, pass/fail flag.
Additional insured (with primary-non-contributory), waiver of subrogation — required vs present.
Each policy's expiry date and how many days until it expires. Bands: red (<30), amber (30–60), blue (60–90), green (90+).
COMPLIANT / PARTIAL / NON-COMPLIANT / EXPIRED.
Every control, explained
Run analysisOne run.
Import to COI TrackerSaves this vendor's COI state to the tracker with alert subscriptions.
Export PDFAudit-ready report for insurance / risk file.
Chain from Contract ReviewAuto-populates the required-limits side from a chained contract review's insurance schedule.
Chains
Chains into
Chained from
Exports
- PDF — coverage compliance report.
- XLSX — raw coverage data for risk registers.
- CSV — flat expiry + compliance list.
Troubleshooting
ACORDs vary in layout. OCR is applied; if endorsements come through as unstructured text, click the row and edit manually before importing to tracker.
The language is often buried in endorsement forms (CG 20 38, etc.). Upload the endorsement forms in addition to the ACORD if compliance requires them.
Sources
- Certificates of Insurance: Frequently Asked QuestionsACORDACORD’s answers on what a certificate of insurance is, with the list of ACORD certificate forms, including the ACORD 25 for liability.
- FAR Subpart 28.3: InsuranceAcquisition.gov, Federal Acquisition RegulationWhen federal contractors must carry insurance and how the government handles it.