Compliance Automation
Insurance Compliance on Autopilot
Stop manually comparing certificates against requirements. SmartCOI automates the entire compliance workflow — from upload to notification — so gaps never go unnoticed.
Manual Compliance Checking Is Broken
Verifying insurance compliance by hand is one of the most tedious and error-prone tasks in property management. For each vendor or tenant, you need to check that their certificate lists the right coverage types, that limits meet or exceed your minimums, that your entities are listed as additional insured, and that nothing has expired.
A single property might have 20 vendors, each with multiple coverage requirements. Multiply that across a portfolio of properties and you're looking at hundreds of compliance checks — each one requiring careful reading of fine print and mental math. It's not a question of if something gets missed, but when.
And when compliance gaps do slip through, the consequences can be severe. An uninsured contractor injury, a fire at a tenant's space with insufficient coverage, a lawsuit where the additional insured endorsement was missing — these are the scenarios that keep property managers up at night.
How SmartCOI Automates Compliance
Set Your Requirements Once
Define coverage requirements using customizable templates. Set minimum limits for each coverage type, mark which are required, and specify additional insured and certificate holder entities. These templates can be reused across vendors and properties.
AI Extracts Certificate Data
When a COI is uploaded — whether by your team or by the vendor through our self-service portal — our AI reads the entire document. It extracts every coverage type, policy number, carrier, limit amount, effective date, expiration date, and named entities. No manual data entry needed.
Instant Compliance Calculation
The extracted data is automatically compared against your requirements. SmartCOI checks coverage limits, verifies additional insured entities match, flags expiring policies, and identifies any gaps — all in seconds. You see a clear pass/fail breakdown for every requirement.
Automated Notifications
When gaps are found or certificates are about to expire, SmartCOI automatically notifies the vendor or tenant with a clear explanation of what needs to be fixed. They can upload a new certificate through the self-service portal — no more email tag.
Built for Real-World Compliance
SmartCOI handles the full spectrum of commercial insurance compliance requirements. From general liability and auto insurance to workers' compensation, umbrella policies, professional liability, and specialty coverages like pollution and liquor liability — every coverage type is supported.
The system understands different limit types (per occurrence, aggregate, combined single limit, statutory) and compares them correctly. It fuzzy-matches entity names so that minor spelling differences don't create false gaps. And it tracks expiration dates with configurable warning thresholds so you're always ahead of renewals.
Frequently Asked Questions
What compliance checks does SmartCOI perform automatically?
SmartCOI checks coverage types against requirements, compares policy limits to your minimums, verifies additional insured entity names using fuzzy matching, flags expired or expiring policies, and identifies missing endorsements like waiver of subrogation.
How does SmartCOI handle different limit types?
The system understands per occurrence, general aggregate, products/completed operations aggregate, combined single limit, statutory, per-accident, and per-employee limits. Each is compared against the correct requirement type.
Can I customize compliance requirements per vendor type?
Yes. Create requirement templates for different vendor types (e.g., general contractors, landscapers, janitorial) and assign them per vendor. Templates can specify required coverage types, minimum limits, and endorsement requirements.
What happens when a compliance gap is found?
SmartCOI flags the specific gap (e.g., "General Liability per occurrence is $500,000 — your requirement is $1,000,000") and can automatically notify the vendor with a clear explanation and a link to upload an updated certificate.
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Let AI handle the tedious compliance checks while you focus on managing properties.
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