COI Tracker
Upload a vendor's ACORD 25 certificate of insurance. The AI extracts coverage types, limits, additional-insured endorsements, and expiry dates, then compares against your contract's insurance requirements and flags gaps.
What it does
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 to use it
- 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 to upload
- ACORD 25 certificate of insurance (PDF)
- Contract insurance schedule — either paste the requirements text or chain from Contract Review (auto-populated)
Step by step
Open the engine
Sidebar → Engines → COI Tracker.
Upload COI + requirements
COI PDF in one slot; contract requirements pasted or chained into the other.
Run
15–30 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.
Understanding the results
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.