What is a certificate of insurance (COI)?

A certificate of insurance is a one-page document, usually on the ACORD 25 form, issued by an insurance agent or broker. It summarizes a policyholder's coverage including insurer names, policy numbers, coverage types, limits, and effective and expiration dates. It is proof that insurance exists, not the insurance itself.

What happens if a subcontractor's insurance lapses during a project?

The risk transfers to the contractor. Injury or damage claims can land on your own general liability policy, lapsed subcontractors can fail owner and lender compliance requirements, and construction lenders often withhold draws until valid certificates are back on file.

How far ahead of expiration should I request a renewal certificate of insurance?

30 days before the policy expiration date is standard. Some firms start at 45 or 60 days for slow-responding subcontractors. Automated reminders at 30, 14, and 7 days are a common cadence.

Is Excel good enough for certificate of insurance tracking?

For a handful of subcontractors, yes, a spreadsheet with expiry dates and conditional formatting works. However, it breaks down past a few dozen vendors because it cannot send renewal reminders, chase subcontractors automatically, or flag coverage gaps, and missed renewals happen silently.

Do I need a credit card to start using CoiPatrol?

No. The free plan never asks for a credit card. Paid plans ask for a card when the trial starts, but nothing is charged until the 14-day trial period ends. You can cancel before then and pay nothing.

Compliance & audits

CoiPatrol

Certificate of insurance tracking for small construction and property firms

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Web-based software that helps small contractors and property managers track subcontractor insurance certificates, automatically read policy details from ACORD

Overview

A look at coipatrol.com

CoiPatrol is a web-based certificate of insurance tracking service designed for small construction firms, specialty contractors, property managers and landlords. Users upload ACORD 25 PDF certificates from subcontractors; the software automatically extracts policy types, numbers, limits and expiration dates. A color-coded dashboard shows coverage status at a glance. The system sends automated renewal reminder emails to subcontractors 30, 14 and 7 days before policies expire, and generates weekly summaries of items needing attention. All data can be exported to a spreadsheet for audits, lender reviews or property owner documentation.

The platform is built for office administrators without insurance backgrounds, using plain language and explanations of insurance terms on every screen. Setup takes about 10 minutes with no onboarding project or implementation fee required. The service aims to prevent the liability risks that arise when subcontractor insurance lapses during projects, which can result in claims landing on the contractor's own general liability policy and cause failures in compliance requirements.

Feature notes

Color-coded dashboard showing coverage status (green, yellow, red)
Automated renewal reminder emails at 30, 14 and 7 days before expiration
Weekly summary of certificates needing attention
Customizable reminder email wording and schedule
Spreadsheet export for audits and compliance documentation
Support for up to 150 subcontractors on highest plan

Pricing

Pricing model: Freemium

Free plan: up to 10 subcontractors, no credit card required. Growth plan: $49 a month for up to 50 subcontractors (or $140 every 3 months, $265 every 6 months, $490 a year). Pro plan: $99 a month for up to 150 subcontractors (or $282 every 3 months, $534 every 6 months, $990 a year). Paid plans incl

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CoiPatrol at a glance

Community votes: 0
Followers: 0
HQ: United Arab Emirates

CoiPatrol metrics

Inspection sheet for coipatrol.com: Ahrefs Domain Rating and Majestic link metrics, with the delta since the last inspection.
Metric	Value
Domain Rating	0 no change since last check
Trust Flow	0 no change since last check
Citation Flow	0 no change since last check
Referring domains	0 no change since last check
External backlinks	0 no change since last check

Domain Rating by Ahrefs inspected 6 Nov 2026, adjusted 4 Nov 2026. Majestic inspected 4 Nov 2026, adjusted 4 Nov 2026. Link data: Majestic. Trust Flow, Citation Flow and Topical Trust Flow are trademarks of Majestic-12 Ltd.

CoiPatrol domain diagnostics

Run through the diagnostics

Public RDAP record, last read 6 Nov 2026, 04:53 UTC.
Domain age	22 days
Registered	16 Oct 2026
Expires	16 Oct 2027
Registrar	Spaceship, Inc.
DNSSEC	Not signed

Run the full check on coipatrol.com

CoiPatrol post-launch diagnostics

Measured after CoiPatrol went live on Launching Pro on 4 November 2026.

Domain Rating (Ahrefs): 0 no change since launch; 0 at launch (4 Nov 2026), 0 on 6 Nov 2026
Trust Flow (Majestic): 0; First measured 4 Nov 2026
Referring domains (Majestic): 0; First measured 4 Nov 2026

Day 2 since launch. Next receipt: day 30, 4 Dec 2026. The figures report a change; they do not say what caused it, and many things can. No figure here is a guess.

Biggest gains on Launching Pro

Team

Al Amin Bashir AfaraFounder

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The playbook on Launching Pro lists what to prepare, what to post on launch day and where else to list your product.

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FAQ

What is a certificate of insurance (COI)?: A certificate of insurance is a one-page document, usually on the ACORD 25 form, issued by an insurance agent or broker. It summarizes a policyholder's coverage including insurer names, policy numbers, coverage types, limits, and effective and expiration dates. It is proof that insurance exists, not the insurance itself.
What happens if a subcontractor's insurance lapses during a project?: The risk transfers to the contractor. Injury or damage claims can land on your own general liability policy, lapsed subcontractors can fail owner and lender compliance requirements, and construction lenders often withhold draws until valid certificates are back on file.
How far ahead of expiration should I request a renewal certificate of insurance?: 30 days before the policy expiration date is standard. Some firms start at 45 or 60 days for slow-responding subcontractors. Automated reminders at 30, 14, and 7 days are a common cadence.
Is Excel good enough for certificate of insurance tracking?: For a handful of subcontractors, yes, a spreadsheet with expiry dates and conditional formatting works. However, it breaks down past a few dozen vendors because it cannot send renewal reminders, chase subcontractors automatically, or flag coverage gaps, and missed renewals happen silently.
Do I need a credit card to start using CoiPatrol?: No. The free plan never asks for a credit card. Paid plans ask for a card when the trial starts, but nothing is charged until the 14-day trial period ends. You can cancel before then and pay nothing.

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