For general contractors, property managers and staffing firms
Every subcontractor certificate, read and verified automatically.
COIPilot collects certificates of insurance, reads every ACORD 25 line by line, and checks it against your own requirements. You see who is compliant, who expires next, and exactly what is missing — without opening a single PDF.
Live in 10 minutes. No demo call, no annual contract, no implementation fee.
What manual tracking costs you
- 15-20 hrs
- per week on spreadsheets
- ≈ $36,400 a year of someone's time
- $25-45k
- a year in COI errors
- Direct and indirect cost, per contractor
- 6 figures
- from one expired certificate
- Coverage denied, settlement lands on you
- < 75%
- of alterations caught
- Manual review misses backdated PDFs
Only 20% of carriers reliably notify a certificate holder when a policy lapses. If nobody is watching the expiration dates, nobody finds out until there is a claim.
Four steps, then it runs on its own
- 01
Set your requirements
GL, auto, workers' comp, umbrella — limits plus the endorsements you demand: additional insured, waiver of subrogation, primary & non-contributory.
- 02
Import your vendors
Paste a list or upload a CSV. Each one gets a private upload link they can forward straight to their insurance agent.
- 03
The certificate gets read
Your sub or their broker uploads the PDF — no account needed. AI transcribes every coverage line, limit, date and endorsement box, scans included.
- 04
You get a verdict
Compliant, or a precise list of deficiencies. Non-compliant vendors are emailed exactly what to fix. Expirations chase themselves.
The limits look fine. The endorsement is missing.
This is where manual review fails, and where the money is lost. A certificate can show perfect $1M/$2M limits and still leave you completely unprotected, because the endorsement that actually extends coverage to you was never added.
COIPilot checks the ADDL INSD and SUBR WVD columns, reads the description of operations for the wording, then tells you in plain English what to send back to the sub.
- General Liability: Each occurrence is $500,000, below the required $1,000,000.
- General Liability: Additional Insured status is required but is not evidenced.
- Workers' Compensation: Expired on 2026-06-30 (34 days ago).
Every verdict comes from a rules engine, not a guess — so the same certificate always yields the same answer, and each finding traces back to the requirement it failed.
Built for the firms the enterprise tools ignore
If you track 20 to 500 subcontractors, you are too big for a spreadsheet and too small to matter to a platform that starts at $500/month, requires a demo, and takes weeks to implement.
| Spreadsheet | Enterprise COI platform | COIPilot | |
|---|---|---|---|
| Price | Free | $500+/month | $249/month |
| Time to first verdict | Hours of reading | Weeks of onboarding | 10 minutes |
| Demo required | — | Yes | No |
| Contract | — | Annual | Monthly, cancel anytime |
| Reads the certificate | You do | Yes | Yes |
| Chases expirations | You do | Yes | Yes |
One expired certificate costs more than a decade of COIPilot.
Start with your riskiest ten subcontractors. If it does not find something worth fixing in the first week, cancel in one click.