Free COI collection and checking for teams that hire vendors
Stop chasing certificates.
Upload a vendor's certificate of insurance. In under a minute you see what is expired, missing, or short, with the exact line on the certificate to prove it.
From Harper, the licensed commercial insurance brokerage trusted by 6,000+ businesses.
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.
Certificates arrive as PDFs, scans, and phone photos. Someone on your team has to check each one, and the tracking spreadsheet is stale the day it is saved. Miss an expired policy or a short limit, and your business is the one left exposed. Harper Clear does the checking for you.
General contractors
Know where every sub's coverage stands before they set foot on 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 coverage lapses.
Subs who hire subs
Lower-tier subs expose you the same way. Check them the same way.
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.
Plenty of tools stamp everything “compliant.” We never will: a certificate is a snapshot, not the policy itself. Instead you get seven plain statuses that say exactly how sure we are, with evidence behind each one. When we cannot read something with confidence, we say 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.
Free is the business model, not a promo.
Harper is a licensed commercial insurance brokerage. Placing coverage is how we earn, so the software never has to charge you.
When a check finds a vendor with expired or short coverage, that vendor needs an insurance fix. If they want help, Harper can shop the market for them, the same way we do for 6,000+ businesses. If they would rather use their own broker, the software works exactly the same. Either way, you end up with a clean vendor file.
No per-seat pricing. No certificate limits. No free tier that expires.
Your vendor file, checked in minutes.
Set your requirements, upload the certificates you have, and see where you stand today. Free, from Harper.
Get Started Free