Certificate of insurance
Verify additional insured status on every COI
Do not trust ACORD checkboxes alone. Keelstar flags when additional insured status is required and tracks endorsement follow-up on the vendor record.
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Related: COI Tracker · Certificate of insurance · Additional insured certificate · ACORD 25 tracking tool · COI coverage gap alerts · All solutions
The common problem
Contracts require additional insured endorsements but teams accept COIs with checked boxes and no proof the endorsement exists.
- ACORD 25 checkboxes are treated as proof of coverage
- Endorsements are requested once then lost in email
- Primary and non-contributory language is never verified
- Auditors find gaps only after an incident
How COI tracking works
Collect
Request certificates from vendors through a secure link or upload files your team already has.
Extract
Expiration dates, coverage types, and limits are captured from ACORD certificates for review.
Monitor
Reminders fire before certificates lapse so uninsured vendors do not slip through approvals.
Benefits
- Expiration alerts before coverage lapses
- Requirement checks against your limits and endorsements
- Vendor self-service certificate upload
- Audit-ready history for risk and procurement reviews
Verification
Flag additional insured requirements at intake
When a vendor tier or contract requires additional insured status, Keelstar creates follow-up tasks until endorsements are confirmed.
Documentation
Track endorsements separately from certificates
Store endorsement documents alongside the ACORD 25 so risk teams see both the summary and supporting policy language.
- Additional insured requirement rules by tier
- Endorsement upload and review workflow
- Primary and non-contributory follow-up flags
Audit trail
Evidence for claims and audits
Export the full certificate and endorsement file showing when your organization was added as additional insured.
Who it's for
- Risk managers verifying contractual insurance terms
- Procurement teams onboarding vendors with AI requirements
- Construction GCs requiring additional insured status from subs
- Property managers adding landlords as additional insured
What good looks like
- Additional insured requirements defined by contract tier
- COI checkboxes trigger endorsement follow-up
- Endorsements stored with the certificate on vendor record
- Primary and non-contributory flagged when required
- Verification history exports for audits
Need a tracked version? Set up a vendor portal, vendor onboarding workflow, or browse all solution guides.
FAQ
Keelstar flags requirements and tracks endorsement documents. Your team confirms policy language meets contract terms.
Yes. Vendors submit endorsements through the same secure vendor portal as COIs.
Configure when that language is required and track follow-up like other endorsement gaps.
You can include broker contacts on renewal and endorsement requests.
Keelstar covers W-9, COI, OIG screening, contracts, invoices, and policies on shared vendor records.