COI tracking · Expiration tracking

Certificate of insurance expiration tracking

The single most expensive insurance failure is the one you didn’t see coming. Automated expiry tracking turns "we missed the renewal" into "we got the renewal four weeks early."

3 vendors free · Plans from $19/mo · Setup in 2 minutes · No credit card

The job

What certificate of insurance expiration tracking actually deal with

Manual tracking fails predictably as vendor counts grow

Studies on operations failure modes show error rate scales linearly with manual tracking surface area. Past about 10 vendors, miss rate hits double-digit percentages without automation.

Expirations are expensive specifically because they are silent

A vendor doesn’t call you to say their policy lapsed. The first sign is a denied claim or a stop-work order — both already costly by the time you hear about it.

Annual reminders are not enough — three thresholds beat one

A 30-day reminder gives the vendor time to bind a new policy. A 14-day reminder catches the brokers who didn’t respond the first time. A 7-day reminder is the last clean exit before lapse. Anything less is too late.

Typical vendors expiration tracking track

Examples we see in this dashboard

  • General liability policies
  • Workers compensation policies
  • Auto and umbrella policies

How COI Tracker handles it

  1. 1Add each vendor with name, email, certificate type, and expiry date — or bulk-import a spreadsheet on Growth+.
  2. 2Upload the certificate PDF on each row. Files are stored privately and surfaced through short-lived signed URLs.
  3. 3Get reminders 30, 14, and 7 days before each expiry. Click “Request Update” to ping the vendor for the new cert.
Try it with your first 3 vendors free

FAQ — Expiration tracking

When are reminders sent?

Three emails per certificate — 30, 14, and 7 days before expiry — fired by a daily cron at 9am UTC. The thresholds are deliberately spaced: 30 for renewal initiation, 14 for follow-up, 7 for last-call escalation.

What happens if a certificate already expired before I added it?

The dashboard flags it as Expired immediately, and the row stays at the top so you don’t miss it. We don’t spam you with a reminder for an already-expired cert — the visual flag is the alert.

Can I customize the reminder thresholds?

Custom thresholds are on the Pro roadmap. Today every account gets the 30/14/7 cadence — chosen because it covers initiation, follow-up, and last-call across most vendor renewal cycles.

Do reminders go to the vendor or to me?

Reminders go to you. To email the vendor, use the "Request Update" button on the dashboard — that triggers a separate email from your name asking for the new cert.

Not legal or insurance advice. Verify your specific contract and policy requirements with a licensed broker or attorney.

Ready to take vendor compliance off your plate?

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