Certificate of insurance (COI) checking, 100% free
Free COI verification, in under a minute.
Upload your vendor's certificate of insurance. We check it against your requirements and show you what's expired, missing, or short. Free for your whole team, no credit card, use it right now.
This is the finding that sets the status above.
- Policy periodExpires in 12 days (potential deficiency)
- Certificate holderMatches
A sample result. Upload a certificate, we check it against your requirements and show exactly what falls short, with the evidence line it came from.
Anyone whose vendors must carry insurance.
No more wasting your team's time reviewing certificates that arrive as PDFs, scans, and phone photos. We do the checking for you so your business isn't left exposed by an expired policy or a short limit.
General contractors
Know where every sub's coverage stands before they set foot on a job site.
Property managers and landlords
Keep the vendor book current across every building you run.
Facilities and vendor managers
One clear status per vendor, and reminders before their coverage lapses.
From inbox to Clear answers in four steps.
Set your requirements
Pick a template and set the coverage and limits vendors must carry. No insurance expertise needed.
Add vendors, upload certificates
Add your vendors, then drag in PDFs, scans, or phone photos. One certificate or a hundred at once.
See what coverages are missing
Each certificate is checked against your requirements, with the evidence behind every result.
Request changes in one click
Vendors get a secure link showing exactly what to correct. No account or password needed.
Statuses that say what we actually know.
A lot of tools stamp everything “compliant.” We only do if it's real: a certificate is a snapshot, not the policy itself. We give you seven statuses that say exactly how sure we are, with evidence behind each one. When we can't read something with confidence, we tell you that too.
Nothing on the certificate falls short of what you require.
Something may fall short. Worth a closer look.
The certificate clearly does not meet a requirement.
We could not read enough to check it, so we say so.
The certificate alone cannot prove this item. An endorsement page is needed.
This one calls for an insurance professional's judgment.
A human reviewer is on it. The automated verdict is on hold.
Built for the COI tracker.
Extraction you can audit
Every value we read links back to the exact spot on the certificate it came from. No black box between you and your vendor file.
Expiration tracking that runs itself
We watch every expiration date and flag coverage before it lapses. Renewal season becomes a checklist, not a scramble.
A portal that respects your vendors
Vendors get a secure link. No account, no password. They see what is needed, upload the corrected certificate, done.
Always free, not a promo.
Harper is a licensed commercial insurance brokerage. Insuring businesses is how we make money, so we don't have to charge you for helping with COIs.
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