For GC and PM shops with 5–50 vendors
See deficient and expired COIs before you mobilize.
COIOps is a certificate-of-insurance vault and a document-score gate inside the product for general contractors and property managers. A blocked status in COIOps is not live carrier verification, does not change Procore, and does not stop a dispatch board by itself. The sample shop and static board show the shape of the gate; your own company account is still a waitlist, not instant signup. Chase email sends when Resend or SMTP is configured; otherwise it is stored and not marked sent.
Job templates, document-score gate, and chase are on Pro — $29/mo, up to 25 vendors. Free is a vault for up to 8 vendors, with no gate. Free access is a waitlist, not signup today.
Sample gate — Midwest GC
Sample data. Not a customer.
Riverfront Condo Reno. These four rows match the seeded shop. The status is a document score inside COIOps. It does not cancel a Procore commitment or a check.
| Vendor | Trade | Status | Why |
|---|---|---|---|
| Northside Plumbing | Plumbing | blocked | Additional insured, waiver of subrogation, and primary & noncontributory are missing on the sample certificate. |
| Lakeview HVAC | HVAC | expired | General liability date on the sample certificate is already past. |
| Summit Roofing Co | Roofing | deficient | Additional insured and primary & noncontributory are missing. Waiver is present. |
| Apex Electric LLC | Electrical | cleared | Sample document score passed and the extract was marked reviewed. |
Document score against a template. Not a live check with the carrier. A certificate is not the policy.
Not in this build
- Self-serve signup (login is one shared sample shop)
- Expiry emails (the 30/14/7 schedule — not sent in this build)
- SMS
- Procore or property-system sync
- Live carrier verification
- SSO or a SOC 2 report
The full matrix, including what each paid tier is priced to include later, is on Pricing.
How the sample works
Step 1
Certificates already on file
The sample vault holds seeded certificates. A new PDF is stored. If an Anthropic or OpenAI key is set, a model fills the extract and a person reviews it. Without a key the extract stays empty.
Step 2
Score against the job
The sample scores additional insured, waiver of subrogation, primary and noncontributory, limits, and the named insured. A person is supposed to confirm the read before anyone is cleared.
Step 3
Blocked means blocked in COIOps
The superintendent status lives on the gate board. An override stores a reason. Chase email can go out when mail is configured. The product does not withhold a payment by itself.
General contractors
Owner exhibits change by job. Procore can store a date and a PDF. COIOps, in the sample, scores the endorsement pages for this project and shows cleared or blocked. We do not sync that status back to Procore.
For general contractorsProperty managers
If the certificate is expired, the vendor should not stay on tomorrow’s schedule from habit. The sample shows a blocked status. It does not connect to AppFolio, Buildium, or Yardi.
For property managersPublished prices
Pro
$29/mo
Up to 25 vendors
Document-score gate in COIOps, not carrier verify or Procore enforcement.
See Pro billing in sample shopGrowth
$149/mo
Up to 50 vendors
Pro, plus items that are still coming soon.
See Growth billing in sample shopPublished competitor numbers, and the gaps we do not claim, are on Compare.
2026 briefs, gated after the title page
Two briefs pair this year’s casualty market and New York’s AVOID Act with the same field failure: an expired certificate still on site. The title page is free. The rest asks for a full name, work email, job title, and phone.
Brief 01
The Thursday Lapse: 2026’s Two-Speed Casualty Market Still Leaves Expired Certs on the Site
Property pricing eased. Excess liability did not. The certificate that expires on Thursday is still a Friday mobilization, a Monday owner call, and a general contractor holding the claim.
Brief 02
Ninety Days to Tender: The April 2026 AVOID Act and the COI File You Cannot Rebuild After a Loss
New York’s AVOID Act starts a 90-day clock on third-party claims. A 2025 failure-to-procure ruling shows what happens when the additional-insured policy is not in the file. Expired certificates do not become evidence because counsel asks nicely.
Ask, then build, then ping
Ask → build → ping means you name a rule your contract admin actually uses, we build that rule, and we email you when it is in the product. That is the offer. We are not publishing a turnaround time, because we do not have a measured one.
Email the ruleConstruction and insurance news
Live headlines from Construction Dive, Insurance Journal, ENR, and the U.S. Department of Labor. Source and time come from the feed.
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