Certificate of insurance
Coverage gap alerts beyond expiration dates
Keelstar compares ACORD certificates to your requirements and alerts when coverage types, limits, or endorsements fall short—not just when dates expire.
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Related: COI Tracker · Certificate of insurance · COI requirements tracking · COI expiration alert system · Vendor liability insurance · All solutions
The common problem
A current expiration date does not mean the certificate meets contract terms. Teams approve COIs that omit required lines or limits.
- Certificates look valid because the date is future-dated
- Required umbrella or workers comp lines are missing
- Limits below contract minimums pass manual review
- Additional insured endorsements are never confirmed
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
Gap detection
Compare certificates to contract requirements
Define minimum limits and required coverage types per vendor tier. Keelstar flags gaps when certificates are uploaded or renewed.
Workflow
Alert owners before vendors go onsite
Gap alerts route to risk or procurement with specific deficiency details so vendors know exactly what to fix.
- Missing coverage type alerts
- Below-limit limit warnings
- Endorsement follow-up tasks
Audit trail
Document gap resolution for audits
Track when gaps were identified, who approved exceptions, and when corrected certificates arrived.
Who it's for
- Risk managers enforcing contract insurance terms
- Procurement specialists reviewing vendor COIs
- Legal teams defining coverage requirements
- Healthcare facilities requiring vendor liability proof
What good looks like
- Required coverage types defined by tier
- Gap alerts fire on upload and renewal
- Below-limit certificates flagged before approval
- Endorsement gaps create follow-up tasks
- Gap resolution history is exportable
Need a tracked version? Set up a vendor portal, vendor onboarding workflow, or browse all solution guides.
FAQ
Missing coverage types, limits below requirements, wrong certificate holder, and missing endorsement follow-ups.
Yes. Exception approvals are timestamped on the vendor record for audit.
You configure routing—internal owners, vendors, brokers, or all three.
Keelstar operationalizes requirements you define. Legal still sets the underlying contract terms.
Keelstar covers W-9, COI, OIG screening, contracts, invoices, and policies on shared vendor records.