InstaCOI
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Certificate of Insurance Compliance, Automated

Stop chasing paperwork.
Start verifying coverage.

InstaCOI reads, checks, and tracks every subcontractor's Certificate of Insurance automatically — so general contractors and property managers always know who's covered.

Get StartedWatch the 48-second tourSee Pricing
Passed · Review · Expired
Every certificate, one clear status
30 · 15 · 7 days
Automatic expiration reminders
GL · Auto · Workers' Comp
Checked against your own limits

See InstaCOI in 48 seconds

From business settings and QuickBooks to vendor upload links and compliance tracking, in the real app.

From upload link to verified in seconds

The whole compliance loop, without a single spreadsheet.

01
Add a vendor
Enter a subcontractor's name and we generate their one-time upload link.
02
Share the link
Send it by text or email — no account or password required on their end.
03
AI reads & verifies
The COI is extracted and checked against your compliance rules in seconds.
04
See the result
Your dashboard shows Passed, Review Needed, Failed, or Expired at a glance.

Everything compliance tracking should have been

Built specifically for general contractors, property managers, and businesses that manage subcontractors.

Stop paying subs whose insurance lapsed
QuickBooks Online
When a vendor's certificate fails or expires, InstaCOI marks them Inactive in QuickBooks Online, so they don't get paid until they're covered. Upload a compliant certificate and they're reactivated automatically. Real-time webhooks (Zapier or your own API) send the same events to the rest of your stack.
Smart OCR & Forensics
Extracts policy numbers, coverage thresholds, and effective/expiration dates directly from uploaded COI PDFs, with vision fallbacks to catch fraud or missing data.
Automated Compliance Verification
Every certificate is checked against your General Liability, Auto, Workers' Comp, Additional Insured, and Waiver of Subrogation requirements — instantly marked Passed, Review Needed, or Expired.
Subcontractor Self-Service
Each vendor gets a direct upload link with clear Certificate Holder instructions — no login, no back-and-forth email chains.
Automated Expiration Reminders
Vendors are emailed automatically at 30, 15, and 7 days before their coverage expires, then notified again the day it does.
Vendor Management
Edit vendor details and archive subcontractors you no longer work with — archived vendors stop counting against your plan and stop receiving reminders.

Simple pricing, based on how many vendors you manage

No sales call required. Change plans anytime.

Starter
$29/mo
Up to 25 vendors
30-day free trial · card required
  • Up to 3 team members
  • AI extraction & verification
  • Automated expiration reminders
  • Vendor self-service upload links
  • QuickBooks payment holds & webhooks
Start 30-day free trial
Most Popular
Pro
$59/mo
Up to 100 vendors
  • Up to 5 team members
  • AI extraction & verification
  • Automated expiration reminders
  • Vendor self-service upload links
  • QuickBooks payment holds & webhooks
Get Started
Business
$99/mo
Up to 200 vendors
  • Unlimited team members
  • AI extraction & verification
  • Automated expiration reminders
  • Vendor self-service upload links
  • QuickBooks payment holds & webhooks
Get Started
Enterprise
Custom
200+ vendors, multiple locations
  • Everything in Business
  • Custom volume-based pricing
  • Multi-location support
  • Dedicated onboarding
Contact Sales

Starter includes a 30-day free trial (one per organization). A card is required to start, and you won't be charged until the trial ends. Cancel before then and you pay nothing. Pro and Business are billed at checkout. No free plan.

Ready to stop chasing COIs?

Set up your first subcontractor's upload link in under a minute.

Get Started