COI Check.

What should a COI tracker show?

One row per certificate or document: the sub, what it is, the policy number, the insurer, and the date it expires. From those, this page shows each document as Current, Expiring, Expired, Undated, Replaced or On file, and each sub as Missing, Expired, Undated, Expiring or Current, worst first. Add the date a sub is due on site and their open work, and it also shows a certificate that runs out before they start, and how much work sits with subs who are not current.

How far ahead should I ask for the renewal?

This page starts warning 30 days before a certificate of insurance, workers’ comp or disability certificate expires, and 45 days before a license does. Other trackers send reminders at 30, 14 and 7 days, or start at 60. Your contract may set its own notice period, so check it. On the expiration date itself a document still reads Expiring; the day after, it reads Expired.

What does Undated mean?

You have the certificate but no expiry date typed for it. It does not count as current until you open it, read the date off it, and type it in. A certificate nobody can date cannot be watched, and an unwatched certificate is the same as none. A W-9 does not expire, so it reads On file.

What happens when a sub sends a renewal?

Add it as a new row. The newer date replaces the older certificate of the same kind, which reads Replaced and is no longer checked. Keep the old row if you want the history in your CSV.

What does this page check on an ACORD 25, and what does it not?

It checks the dates you type, and two boxes you tick after reading the certificate yourself: whether the named insured is your sub, and whether the workers’ comp line shows an owner, partner or officer excluded. A box you leave blank counts as not checked, never as fine. It does not read limits, the additional insured box, the waiver of subrogation box or the description of operations. A checked additional insured box means an endorsement may exist; the endorsement itself sits behind the certificate, so ask the broker for the policy forms. Being the certificate holder does not make you an additional insured.

Why does it say two names are one company?

Because Ninefold Plumbing & Heating Inc. and Ninefold Plumbing and Heating read the same once case, punctuation, “and” and Inc or LLC are set aside. This page never joins them on its own. If they are one company, use one spelling, and their documents are checked together.

Can I keep it in Excel or Google Sheets, or as a PDF?

Yes. Download CSV saves a file that opens in Excel or Google Sheets, with each status as a word in its own column. For a PDF, choose Print, then Save as PDF. Open the CSV here next time and every day count moves on to the new date. The blank template has the same columns and no rows, to fill in a spreadsheet and open here.

Is anything I type sent anywhere?

No. Nothing you type is stored or sent. The CSV and the printout are made in your browser, and a saved CSV is read there too. A reload clears the page, so download the CSV to keep your list.

Checking your own company’s certificates instead? Use the free M/WBE Check.