Certificate Of Insurance Verification
COI Management
Stop chasing certificates. Stay audit-ready.
Vendors upload Certificates of Insurance through a branded portal. Bindly parses them, scores them against your requirements, chases renewals automatically, and produces audit-ready packets on demand.
Built for: Motor carriers, brokers, shippers, property managers
What you get
- Branded vendor upload portal — no logins, just a link per vendor
- ACORD 25 OCR parsing with carriers, limits, effective dates, additional-insured, waiver-of-subrogation, primary-and-non-contributory
- Requirement scoring against a per-vendor or per-contract template
- Automated renewal-chase emails escalating from 30 days out through expiration
- Audit-ready packets exportable as a single PDF per vendor or per period
- Deficiency log and resolution timeline kept for every certificate
How it works
- 1
Define what 'compliant' means
Set requirement templates per vendor type or per contract — liability limits, additional-insured language, waiver-of-subrogation, primary-and-non-contributory, certificate holder details. Templates are versioned; you can see what was required at the time any certificate was scored.
- 2
Send each vendor a branded link
We generate a per-vendor upload link in your brand colors. Vendors don't need a Bindly account — they just upload a PDF. The link expires when the next certificate is on file, or after a configurable window.
- 3
We score the certificate automatically
OCR + ACORD-specific field extraction reads the certificate, identifies carriers and limits, checks each requirement, and flags deficiencies. Edge cases (handwritten certs, scanned-from-fax, multi-page wraparound) escalate to a human reviewer with the original PDF attached.
- 4
Renewals chase themselves
Certificates approaching expiration trigger a chase sequence that escalates from polite reminder at 30 days to direct vendor outreach at 7 days. You get a daily digest of who is at risk and a one-click 'pause' if a vendor is mid-conversation with you.
- 5
Hand auditors a packet, not a folder
Export any vendor's certificate history, deficiency log, requirement template, and resolution timeline as a single timestamped PDF. The packet is what an insurance auditor or CMBS lender asks for, structured the way they want to see it.
FAQ
- Which ACORD form versions do you parse?
- ACORD 25 is the default Certificate of Liability Insurance form and what our parser is tuned for. We also handle ACORD 27 (Evidence of Property Insurance) and ACORD 28 (Evidence of Commercial Property). Non-ACORD evidence is supported as long as it carries the same data — named insured, carrier, policy number, limits, effective dates.
- Do you support certificate holders with strict wording requirements?
- Yes. CMBS lenders, Fannie DUS / Freddie SBL servicers, LIHTC syndicators, and large lessors all have specific language requirements. Templates let you encode 'must include the following exact phrase' rules, and the parser scans the certificate's description-of-operations and remarks sections for matches.
- What happens when a vendor goes silent on renewal?
- The chase sequence escalates automatically through three increasingly direct emails, then flags the vendor as non-responsive in your dashboard. From there you decide whether to suspend the relationship, escalate to that vendor's account manager, or grant a temporary exception with a documented expiration.
- Can we use this for tenant renters insurance, not just commercial vendors?
- We do, but for renters-specific workflows our Renters Insurance Verification service is purpose-built for the volume and the lease-attached evidence pattern. If you're managing both vendor COIs and tenant renters insurance, you'll want both services.
Ready to retire this work?
Start a 30-day free trial of COI Management. No credit card up front. Cancel any time during the trial.