COI Tracking

Stop tracking certificates of insurance in spreadsheets.

If you hire contractors or vendors, someone on your team is chasing certificates, re-checking limits, and hoping nothing lapsed before the next audit. 1099Policy is the COI tracking system that also issues the coverage — so you track the certificates you collect, we issue coverage for the contractors who can't produce one, and a growing share of your roster stays compliant without anyone chasing it.

See how it works →Book a walkthrough
Collect & validateCoverage we issueMonitor expirationsProve compliance
The Problem

Why COI tracking breaks down in a spreadsheet.

Tracking certificates of insurance is a recurring operations job, not a one-time task. Do it in a spreadsheet and three things go wrong on a long enough timeline.

Certificates pile up in an inbox

Brokers email PDFs on their own schedule. Someone re-keys limits and dates into a sheet by hand — or doesn't, and the row sits blank until it matters.

Coverage lapses slip through

A certificate expires mid-engagement and nobody catches it. The gap only surfaces when a claim or audit lands — when it's already your exposure.

The audit becomes a scramble

A client or insurer asks you to prove every vendor was covered. You spend a week reassembling certificates from email threads and shared drives.

What makes this different

Tracking shrinks when we issue the coverage.

Every other COI tracker only does one thing: chase certificates other people control. 1099Policy splits the roster in two. The COIs you collect from outside vendors get parsed, validated, and monitored. For everyone you can't get a certificate from, the contractor enrolls in coverage in their own name through 1099Policy — and that certificate is auto-current forever.

So the pile you have to actively track gets smaller as you move more of the roster onto issued coverage. That's a structurally lighter job than any tracking-only tool can offer.

MANUAL TRACKING WORKFLOW (PAST)
Disconnected. Manual. Error-prone.
Task / StatusState
01Chasing RenewalsOVERDUE // REMINDER_03
02Manual Data Key-InERROR // TYPO_DETECTED
03Audit Prep DrillsSTRESSFUL // RECONCILING
vs. the status quo

Spreadsheet, COI tracking software, or tracking that closes the gap?

Dedicated COI tracking software fixes the spreadsheet's worst problems — parsing, alerts, an audit trail. But it still leaves you chasing every certificate by hand, because tracking is all it can do. 1099Policy does the tracking and closes the gap for vendors who can't produce a COI.

01 · The spreadsheet

Manual tracking, no automation. Around 70% of the roster slips through the gaps and stays unverified — straight liability when the audit lands.

02 · Tracking software

Parsing and expiry alerts help, but roughly 30% still needs manual follow-up and chasing. Better than a spreadsheet — still not closed.

03 · 1099Policy

Full automation and real-time verification. Every entity verified, every contractor accounted for — 100% audit-ready, with zero gaps left to chase.

The toolkit

Two products do the work.

COI tracking on 1099Policy is composed from two products. Each has its own page - here's how they fit the job.

COI Review - for the certificates you collect

Parses any ACORD certificate, validates it against requirements you build once, bulk-audits the roster, and tracks renewals. This is the engine behind the collect and validate half.

Explore COI Review

Fractional Insurance - for the gaps

When a contractor can't produce a COI, they enroll in coverage in their own name through 1099Policy. The certificate issues automatically with you as additional insured - and never needs tracking.

See how coverage is issued
In practice

COI tracking for a 200-vendor festival production.

The challenge. Production ops chased a current COI from 200 vendors converging on site for a single weekend - all in a shared spreadsheet. Two dozen were missing or expired the week of load-in, and the venue won't clear a vendor onto the grounds without proof.

The solution. Certificates from established vendors were forwarded in, and 1099Policy validates each one and re-checks it automatically as expiry approaches. Solo operators enrolled in coverage through 1099Policy, so certificates issue and renew automatically.

The result. One ledger, every vendor cleared before load-in, and a venue-ready audit export that takes a click instead of a week.

GATE LOAD-IN QUEUEHIGH RISK BACKLOG
Live festival vendors pending compliance verification
VENDOR // Marisol Vega (DJ)[ NO_PROOF_FOUND ]
VENDOR // Smoke & Salt (Catering)[ COMP_EXPIRED ]
VENDOR // Wild Fig (Food Truck)[ NO_PROOF_FOUND ]
VENDOR // Aerial Arts (Talent)[ COMP_EXPIRED ]
92 VENDORS REQUIRE AUTOMATED REMEDIATION
Missing or expired coverage detected.
1099POLICY AUTOMATED ROUTING
One onboarding workflow, two automated paths:
If they bring a COI, we verify it instantly.
If they have a coverage gap, we enroll them in under a minute.
VENUE-READY LEDGERGATE CLEARANCE MONITOR
All vendors reconciled and cleared for load-in
200/200
(100%)
CLEARED FOR LOAD-IN
VENDOR // Marisol Vega (DJ)
STATUS // COMPLIANT
[ COVERAGE_ISSUED // LOAD_IN_OK ]
VENDOR // Smoke & Salt (Catering)
STATUS // COMPLIANT
[ COI_VERIFIED // LOAD_IN_OK ]
VENDOR // Wild Fig (Food Truck)
STATUS // COMPLIANT
[ COVERAGE_ISSUED // LOAD_IN_OK ]
VENDOR // Aerial Arts (Talent)
STATUS // COMPLIANT
[ COI_VERIFIED // LOAD_IN_OK ]
VENDOR // Baja Bar (Beverage)
STATUS // COMPLIANT
[ COVERAGE_ISSUED // LOAD_IN_OK ]
VENDOR // Luna Bloom (Florals)
STATUS // COMPLIANT
[ COI_VERIFIED // LOAD_IN_OK ]
VENDOR // Frame & Focus (Photo)
STATUS // COMPLIANT
[ COVERAGE_ISSUED // LOAD_IN_OK ]
VENDOR // Tidal Wave (Merch)
STATUS // COMPLIANT
[ COI_VERIFIED // LOAD_IN_OK ]
GATE CLEARANCE: APPROVED
All 200 vendors are covered and authorized for venue load-in. Documentation logged and audit-ready.
Trusted by

The teams that staff, dispatch, and pay contractors.

Wieden+Kennedy
Technet
DDB
FAQ

COI tracking questions.

COI Review is the product that parses and validates an individual certificate. COI tracking is the ongoing program around your whole roster — collecting, validating, monitoring expirations, and proving compliance over time. What makes it different on 1099Policy is that we can also issue the coverage, so part of the roster never needs a certificate chased at all.

Yes — that's the collect-and-validate half. Forward any vendor's ACORD certificate and it's parsed, checked against your requirements, filed, and watched for expiration, whether or not the coverage came from us.

That's the gap a spreadsheet can't close. Instead of chasing a certificate that may never come, have the contractor enroll in coverage in their own name through 1099Policy. The certificate then issues automatically with your entity as additional insured — so the empty row becomes compliant and stays current on its own.

Every collected certificate is monitored by its expiration date and surfaced ahead of the lapse, so you can request a renewal while there's still time — not during an audit or after an incident.

No. Issued certificates are generated per engagement with your entity as additional insured and a window that matches the work. They don't lapse mid-engagement and there's nothing to chase — which is what shrinks the tracking burden as you move more of the roster onto issued coverage.

Yes. Every certificate, validation result, and requirement is archived and exportable. When a client, insurer, or auditor asks you to prove the roster was compliant, you export the record instead of reassembling it from email.

Track the COIs you collect. We issue the ones you can't.

See how 1099Policy turns COI tracking from a spreadsheet you maintain into a ledger that maintains itself.