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Your third-party insurance changes between renewals.
Policies get canceled. Vehicles drop off schedules. Traditional COIs fail to capture these changes.
Smart COIs are certificates of insurance that automatically update as coverage changes.
You are notified immediately if a policy is changed, including cancellations, renewals, updated scheduled information, limits changes, and more.
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Get notified about policy cancellations and pending cancellations as they occur. No need to call and verify. No lapsed policies. Stay compliant between renewals.
Monitor schedule-level insurance data - vehicles, equipment, and locations - in real-time. A service vehicle is added or removed from Auto? The COI is updated in minutes.
Once the insurance agent renews your vendor’s insurance, a Smart COI will update in Certificial, capturing all changes and new dates. No need to chase the COI - it's already in your account
Partnering with forward-thinking technology providers like Certificial enables us to drive progress for both the industry and certificate holders – who will now be able to track live policy data in real time, in the industry-standard format.
Certificial allows agents easy access to our requirements while our vendors are busy working in the field or transporting goods. Managing this digitally gives us the confidence that our business and vendors will be protected in the event of a loss.
Accept COIs only from the vendor’s licensed agent or broker, then keep the certificate synced to the source policy. With Smart COIs, updates flow in when limits, endorsements, or carriers change, so your file stays accurate without repeatedly asking for new PDFs.
It’s traditional form language and not a real-time alert. In practice, insurance agents frequently fail to send it out. Smart COIs provide immediate visibility on cancellations so you can act before work starts or payments are released.
Insured and carrier details, policy numbers, effective/expiration dates, limits, endorsements (e.g., AI, Waiver, PNC), and the certificate holder. With Smart COIs, these fields remain current as the policy changes.
Insured and carrier details, policy numbers, effective/expiration dates, limits, endorsements (e.g., AI, Waiver, PNC), and the certificate holder. With Smart COIs, these fields remain current as the policy changes.
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