The Problem

Why COI tracking breaks down in a spreadsheet.

Tracking certificates of insurance is a recurring operations job, not a one-time task. Do it in a spreadsheet and three things go wrong on a long enough timeline.

Certificates pile up in an inbox

Brokers email PDFs on their own schedule. Someone re-keys limits and dates into a sheet by hand, or doesn't, and the row sits blank until it matters.

Coverage lapses slip through

A certificate expires mid-engagement and nobody catches it. The gap only surfaces when a claim or audit lands. By then it's already your exposure.

The audit becomes a scramble

A client or insurer asks you to prove every vendor was covered. You spend a week reassembling certificates from email threads and shared drives.

What makes this different

Tracking shrinks when we issue the coverage.

Every other COI tracker only does one thing: chase certificates other people control. 1099Policy splits the roster in two. The COIs you collect from outside vendors get parsed, validated, and monitored. For everyone you can't get a certificate from, the contractor enrolls in coverage in their own name through 1099Policy, and that certificate stays current for the life of the engagement.

So the pile you have to actively track gets smaller as you move more of the roster onto issued coverage. That's a structurally lighter job than any tracking-only tool can offer.

The Old WayEffortless

MANUAL TRACKING WORKFLOW (PAST)

Disconnected. Manual. Error-prone.

ISSUED COVERAGE ENGINE (FUTURE)

Automated. Verified. Audit-ready.

ISSUE // 201

LIFECYCLE // AUTO

System Status: Operational Excellence Coverage verified. Requirements tracked. Audit-ready.

vs. the status quo

Spreadsheet, COI tracking software, or tracking that closes the gap?

Dedicated COI tracking software fixes the spreadsheet's worst problems: parsing, alerts, an audit trail. But it still leaves you chasing every certificate by hand, because tracking is all it can do. 1099Policy does the tracking and closes the gap for vendors who can't produce a COI.

1. The spreadsheet
   Manual tracking, no automation. Around 70% of the roster slips through the gaps and stays unverified. Straight liability when the audit lands.
2. Tracking software
   Parsing and expiry alerts help, but roughly 30% still needs manual follow-up and chasing. Better than a spreadsheet, still not closed.
3. 1099Policy
   Full automation and real-time verification. Every entity verified, every contractor accounted for, 100% audit-ready, with zero gaps left to chase.

CORPORATE ROSTER

100% OF 1099 ENTITIES

The toolkit

Two products do the work.

COI tracking on 1099Policy is composed from two products. Each has its own page. Here's how they fit the job.

COI Review: for the certificates you collect

Parses any ACORD certificate, validates it against requirements you build once, bulk-audits the roster, and tracks renewals. This is the engine behind the collect and validate half.

Explore COI Review

Fractional Insurance: for the gaps

When a contractor can't produce a COI, they enroll in coverage in their own name through 1099Policy. The certificate issues automatically with you as additional insured, and never needs tracking.

See how coverage is issued

In practice

COI tracking for a 200-vendor festival production.

The challenge. In one shared spreadsheet, production ops tracked a current COI for 200 vendors arriving on site for a single weekend. Two dozen were missing or expired the week of load-in, and the venue won't clear a vendor onto the grounds without proof.

The solution. Certificates from established vendors were forwarded in, and 1099Policy validates each one and re-checks it automatically as expiry approaches. Solo operators enrolled in coverage through 1099Policy, so certificates issue and renew automatically.

The result. One ledger, every vendor cleared before load-in, and a venue-ready audit export that takes a click instead of a week.

GATE LOAD-IN QUEUE HIGH RISK BACKLOG

1099POLICY AUTOMATED ROUTING

One onboarding workflow, two automated paths:

If they bring a COI, we verify it instantly.
If they have a coverage gap, we enroll them in under a minute.

VENUE-READY LEDGER GATE CLEARANCE MONITOR

GATE CLEARANCE: APPROVED

All 200 vendors are covered and authorized for venue load-in. Documentation logged and audit-ready.

What's the difference between COI tracking and COI Review?

COI Review is the product that parses and validates an individual certificate. COI tracking is the ongoing program around your whole roster: collecting, validating, monitoring expirations, and proving compliance over time. What makes it different on 1099Policy is that we can also issue the coverage, so part of the roster never needs a certificate chased at all.

Track the COIs you collect. We issue the ones you can't.

See how 1099Policy turns COI tracking from a spreadsheet you maintain into a ledger that maintains itself.
Book a walkthrough → Explore COI Review