Certificate of insurance checker for general contractors
Set your COI rules once. Vendors email their ACORD 25 to verify@gatecoi.com. GateCOI checks the PDF, replies to the sub, chases the broker when something is missing or expiring, and gives your bookkeeper a green/red Cleared for Payment list before Friday checks go out.
Rules once
$1M GL, additional insured, waiver of subrogation, primary & non-contributory, workers’ comp — toggled per project.
Email in, pass/fail out
Subs send the ACORD 25 PDF. No vendor portal. Automatic reply with exactly what failed.
Cleared for Payment
Bookkeeper view: who is green for Friday, who is on hold, earliest expiry, broker chase log.
What a GC COI checker should catch
Spreadsheet expiry reminders are not enough. Construction audits care about limits and endorsement language. GateCOI is built to flag the gaps that hold payment — not just a calendar date.
- Each-occurrence and aggregate general liability vs your minimums
- Workers’ compensation / statutory where required
- Additional insured wording (a checked ACORD box is not the endorsement)
- Waiver of subrogation
- Primary & non-contributory language
- Policy effective / expiration dates and 30-day expiry radar
- Producer box email extracted for broker chase
Spreadsheet COI tracking vs GateCOI
| Job | Spreadsheet | GateCOI |
|---|---|---|
| Read ACORD 25 fields | Manual | Automatic (<4 sec) |
| Check endorsement wording | Rarely | Against your rules |
| Reply to the sub | You write it | Pass/fail email |
| Chase the broker | Phone tag | Producer box + CC sub |
| Friday payment gate | Hope / memory | Cleared for Payment list |
| Price | Staff time | $59/mo flat |
FAQ: COI checker & Cleared for Payment
What is a COI checker for contractors?+
A COI checker reads a subcontractor’s certificate of insurance (usually an ACORD 25 PDF) and compares limits, dates, and endorsement language to the rules in your subcontract. GateCOI does that automatically when vendors email verify@gatecoi.com.
What does Cleared for Payment mean?+
Cleared for Payment is a green/red status for each sub before Friday check runs. Cleared means the latest certificate passed your rules and is not expired. Hold means a deficiency or expiry — so bookkeeping does not release the check until the broker fixes it.
Does GateCOI only watch expiration dates?+
No. Expiration tracking is table stakes. GateCOI also checks general liability limits, workers’ compensation, additional insured wording, waiver of subrogation, and primary & non-contributory language against the rules you set once per project.
How do subcontractors submit a certificate?+
They email the ACORD 25 PDF to verify@gatecoi.com. No vendor software login. GateCOI replies pass/fail with what failed, and emails the producer box to chase missing items or upcoming expirations.
How fast does GateCOI read an ACORD 25?+
Standard ACORD 25 PDFs are checked in under four seconds against your active rules, then the vendor gets an automatic reply.
How much does GateCOI cost?+
$59/month flat for unlimited projects and certificates. One bad certificate at workers’ comp or GL audit can cost far more than a year of GateCOI.
Ready for Friday’s check run?
$59/mo · unlimited projects & certificates · vendors only need email
Create your GateCOI account →