Case study: Certificial's Smart COI Network
Certificial's Smart COI Network keeps a certificate of insurance continuously current through real-time data updates from carriers and brokers, so requestors know immediately when a supplier is no longer properly insured. A traditional COI is a paper or PDF snapshot of coverage on the day it was issued, and it becomes inaccurate the moment a policy is cancelled, a limit is reduced, or a vehicle is removed from a schedule. In a 2022 interview with Insurance Business America, Certificial co-founder and CEO Peter Teresi described how the Smart COI Network resolves this pain point for the commercial insurance process. Last updated: May 2026
Certificial’s technology turns a certificate of insurance, or COI, into a living, breathing document. For the insurance industry, that’s a relatively new thing.
A COI provides a summary of insurance coverage for a particular business as part of the commercial insurance process. It can easily become outdated, however, without frequent checking and scrutiny. That’s the process “pain point” that the insurtech start-up is set up to address. Certificial’s platform, particularly its Smart COI Network technology and data, keeps a COI current due to real-time updates. That way, users always know if and when a business isn’t properly insured.
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