Solutions — COI automation

Certificate of insurance tracking, fully automated.

Brokermatic requests, collects, reads and verifies every certificate of insurance — ACORD 25, ACORD 101 and endorsements — against your insurance requirements, then keeps coverage current with automated renewals. No spreadsheets, no inbox archaeology.

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The COI lifecycle, end to end
Request
Branded certificate requests go to vendors, subcontractors & brokers automatically.
Collect
COIs land via portal, email or API — reminders follow up until they do.
Extract
AI reads ACORD 25 & 101, endorsements and policy documents into structured data.
Verify
Every line checked: limits, additional insured, waivers, endorsements, carrier ratings.
Renew
Expirations monitored; renewal requests open before coverage lapses.
Verification

Every requirement, checked line by line.

Your insurance requirements live as versioned requirement sets. Every certificate package is verified against a frozen snapshot, so a decision made in March is still explainable in November.

Non-compliant or low-confidence packages route to a human review queue; everything else resolves automatically.

Requirement set #RS-4471COMPLIANT
General Liability — $2M each / $4M aggregate
Additional Insured — CG 20 10 & CG 20 37
Waiver of Subrogation
Primary & Non-Contributory wording
Umbrella — $5M — expires in 14 days→ renewal queued

What changes for your team

70%

Less time on COI admin

Requests, reminders, filing and first-pass review all run without a human touch.

Zero

Silent coverage gaps

Expirations and deficient limits surface the day they're detectable — not at claim time.

100%

Audit-ready decisions

Every verification carries an immutable log of what was checked, against which rules.

Under the hood

COI automation is one workflow on the platform.

The same engine handles any document-driven compliance program — and everything below is configurable, not custom-built.

Workflows

The COI flow is composed from steps — reorder, branch, extend.

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Agents

Governed agents do the chasing, reading, checking and escalating.

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Integrations

Certificates in from email, APIs and portals; status out to your systems.

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Platform

The data model, governance and audit layer underneath it all.

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For product teams

Offer COI automation inside your own product.

Vendor management platforms, property managers, and marketplaces embed Brokermatic's verification engine through the partner API — insurance compliance as a feature of your offering.

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COI automation, answered

What is certificate of insurance (COI) tracking software?

Software that collects certificates of insurance from vendors and brokers, reads them, checks each one against your insurance requirements, and monitors expirations. Brokermatic automates the full lifecycle — request, collect, extract, verify, and renew — with AI agents doing the work and humans reviewing exceptions.

Which documents can Brokermatic read?

ACORD 25 certificates, ACORD 101 remarks schedules, endorsements (additional insured forms like CG 20 10 and CG 20 37, waivers of subrogation), and supporting policy documents — extracted into structured, checkable data with confidence scoring.

Does a certificate alone prove compliance?

No. A certificate is evidence of insurance, not the coverage itself — endorsements carry the legal weight. That's why Brokermatic verifies the full certificate package, ACORD 25 plus endorsements, against your requirement set.

What happens when a certificate doesn't comply?

Non-compliant and low-confidence packages route to a human review queue with the failed requirements flagged line by line. Deficiency notices and follow-up requests to the vendor or broker are automated; your team decides only the judgment calls.

Can we prove why a vendor was marked compliant months later?

Yes. Every verification runs against a frozen snapshot of your requirement set and records an immutable decision log — what was checked, against which rules, with what result — so an audit answer is a query, not a reconstruction.

Stop chasing certificates.

A 30-minute walkthrough on your own vendors, requirements and certificates.

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