Tracking my Suppliers's COI
Producing COIs or Helping Their Clients Track Their Suppliers' COI's
Issuing my own COIs
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For executives and owners of insurance agencies, the future is digital, and the time to adapt is now. By leveraging COI automation and insurance technology, your agency can gain a competitive edge, ensuring long-term success and sustainability in this fast-evolving industry.
A certificate of insurance (COI) is a document, typically issued on the ACORD 25 form standardized in 1976, that summarizes the coverage provided by an underlying insurance policy. It is not the policy itself. An insurance company, agency, or broker issues the COI to confirm that an individual or business has coverage in place, including coverage types, policy limits, effective and expiration dates, the insured parties, and the policy number. Hiring parties such as property managers and general contractors typically require a COI before allowing a vendor or contractor to begin work, so they have evidence of coverage for risk transfer. Last updated: May 2026
Certificate of insurance fraud is prevented at the source by only accepting COIs submitted directly by licensed insurance agents and brokers rather than by the insured vendor. The risk is concrete. In a case covered in Risk Management Magazine (2022), Santa Clarita plumbing contractor Adan Deniz was indicted on 21 felony counts after allegedly falsifying 10 certificates of insurance, avoiding 52,269 dollars in premiums, and underreporting payroll by 426,750 dollars between July 2016 and July 2019 to procure work from clients and government agencies. Certificial's Chief Regulatory and Compliance Officer Richard Magrann-Wells outlines the structural safeguards that close that gap. Last updated: May 2026
Watch our Co-Founder and CEO, Peter Teresi, speak with Boris Agranovich, Founder of the GlobalRisk Community on the Risk Management Show.
A Smart COI replaces the static, paper-based certificate of insurance with a live, data-connected record that updates in real time when a vendor's underlying policy changes, eliminating the manual re-checking that defines current COI workflows. Traditional certificates are shared as PDFs or email attachments and become outdated the moment a policy is cancelled, a limit is reduced, or an endorsement is dropped, which forces requestors into constant verification cycles to confirm coverage is still valid. In a 2022 article in Insurance Thought Leadership, an Institutes-affiliated publication, Certificial describes how Smart COIs reduce risk, ensure compliance, and lower cost. Last updated: May 2026
Partnership enables a true digital experience for all stakeholders in the certificate of insurance process
Our Co-Founders chat with Sofia Geraghty at RIMS RISKWORLD on the trend of data and tech in risk management.
Certificial named among best workplaces in America
Our Co-Founders, Peter Teresi and Rob Blanchette speak with The Agenda on the importance of having systems in place with your COIs to keep cyber risk at bay.
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