No business should lose a lawsuit over a lapsed insurance certificate.
Every week, small businesses — property managers, universities, hair schools, trade contractors — are exposed to serious liability because a single vendor's certificate of insurance quietly expired. Nobody caught it. There was no system. There was no alert. There was just an email buried in an inbox and a spreadsheet that nobody updated.
We built COI Tracker to fix that. Not with an enterprise platform that requires onboarding calls and six-month contracts — but with a tool any business owner can set up in five minutes and trust to handle the rest automatically.
The problem was hiding in plain sight.
The tools that exist for COI tracking were built for risk managers at large corporations — people with dedicated compliance teams, IT departments, and budgets to match. Small businesses have none of that. They have an office manager, a shared inbox, and a prayer that nobody's certificate expired this month.
We saw property managers juggling dozens of contractors across multiple properties, hair schools coordinating with independent stylists, and universities managing rotating service vendors — all doing it manually, all one missed expiration away from a serious problem.
The solution wasn't a smaller version of an enterprise tool. It was something built from the ground up for how small businesses actually work: simple, affordable, and automatic.
Four principles that guide everything we build.
Simplicity first
If a feature requires a training video, we rethink it. Our users run businesses — they don't have time to learn software.
Zero friction for contractors
Contractors upload their COI from a link — no account, no app, no hassle. The easier it is for them, the faster you're protected.
Automatic by default
You shouldn't have to remember to check. We track every expiration date and send reminders so nothing slips through.
Honest pricing
One flat rate. Unlimited contractors. No per-seat fees, no hidden charges. What you see is exactly what you pay.
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