Certificate of insurance tracking for contractors & property managers
Know every sub is insured before they step on site.
CoverClerk collects certificates from your vendors, reads every line of the ACORD 25, checks it against your requirements, and chases renewals for you. The spreadsheet retires. The audit trail stays.
No card required · set up in 10 minutes · $99/month after the trial
Send one link
Each vendor gets a no-login upload link. Their office or their insurance agent drops in the PDF. If they don't, CoverClerk asks again — politely, on a schedule.
Every line gets read
Limits, dates, endorsements and named parties are pulled off the form and compared with the requirements for that project. Uncertain reads are flagged for a quick human check.
Renewals chase themselves
Vendors get reminders before expiry with their link inside. You get one daily digest: who's out of compliance, who's about to be, and what to do.
The screen that replaces the spreadsheet
Every vendor. Every coverage. One grid.
The certificate says “$1,000,000.” Does it actually cover you? Most problems hide in the details: an aggregate that's half the contract, a workers' comp line that lapsed two months before the GL, an additional-insured box nobody checked. The coverage matrix shows the gap in red before anyone asks.
- Filter to "Needs action" and send every reminder from one screen
- Hover any cell for the exact limit, date or endorsement that failed
- Different requirements per project or trade
What gets checked
Read like a risk manager, not a filing clerk.
Limits per line
Each occurrence, aggregate, products/completed-ops, combined single limit and employer's liability — compared with the minimums you set.
Endorsements
Additional insured, waiver of subrogation and primary & non-contributory, read from both the checkboxes and the description box.
Dates
Every policy's expiration tracked separately — workers' comp usually lapses months before the GL does.
Named parties
Insured name matches the vendor; certificate holder is you; the project is named where required.
Confidence
Anything the reader isn't sure of — faxes, photos, handwriting — is flagged for a 30-second human check instead of a silent pass.
History
Who uploaded what, what was read, what was corrected, and when — exportable for insurers, lenders and attorneys.
No-login upload links
Each vendor gets a private link. Their office or their agent drops in the PDF; nothing to install, nobody to onboard.
Coverage matrix
Every vendor against GL, auto, workers' comp and umbrella in one grid. Gaps are red. That's the whole screen.
Renewals chase themselves
Reminders at 30, 14, 7 and 1 day with the upload link inside. Weekly nudges after expiry. One daily digest for you.
Requirements per project
An owner's contract wants $5M umbrella on the roofing job? Assign a stricter template to that project only.
Side-by-side review
Uncertain reads show the certificate next to the form. Fix a field, save, and compliance re-evaluates instantly.
Audit trail
Every action logged with actor and timestamp. Download the CSV when the insurer or the lawyer asks.
Pricing
Priced by vendor count. Everything else unlimited.
myCOI starts at a 200-certificate minimum and managed services quote per certificate. CoverClerk is self-serve and built for firms with 10–500 subs.
For small GCs and property managers tracking up to 50 vendors.
- Up to 50 vendors
- Unlimited projects & certificates
- AI certificate reading
- Automatic renewal reminders
- Audit log & CSV export
- Email support
For firms with many subs or multiple properties.
- Up to 250 vendors
- Everything in Starter
- Multiple team members
- Custom requirement templates per project
- Priority support
For firms that live and die by compliance.
- Unlimited vendors
- Everything in Growth
- Human review on low-confidence certificates
- API access
- Onboarding call
Questions
- Do my subs need an account?
- No. They get a link; they upload a file. If their agent handles certificates, they can forward the link to the agent.
- How accurate is the reading?
- Clean PDFs from an agency are read correctly the vast majority of the time. Photos, faxes and handwritten changes are flagged for review, and correcting a field takes seconds — the certificate is displayed next to the form.
- Is this legal advice? Does it replace my broker?
- No. CoverClerk checks certificates against limits and endorsements you define. Your broker or attorney should still set those requirements. We make sure every certificate is actually held to them.
- Where are certificates stored?
- Encrypted at rest in private cloud storage. Only your team can view them; vendor upload links can only add files, never read them.
- Can I bring my existing spreadsheet?
- Yes — email support@coverclerk.com a CSV of vendors and we'll import it for you during your trial.
Try it on your next certificate.
Upload one, see what we find. Free, no account.