They live in your inbox.
PDFs in a dozen formats, sent to whoever asked last, saved wherever was handy.
Free COI tracking for any business
Their insurance lapsed. Now the claim is yours.
Certificates arrive by email, get filed somewhere, and expire without anyone noticing, until a claim or an audit finds the gap. Collateral asks everyone you hire for their certificate, reads it, and chases the renewal before it lapses.
COI tracking is free within our plan limits: up to 50 people and businesses and 25 certificate updates a month. If you ever want help with insurance, we can connect you with a licensed partner. There’s no obligation to request help or buy insurance. See plan details
For anyone who asks for proof of insurance:
Sound familiar?
Insurance certificates are nobody's job, until one has expired.
They expire quietly.
A policy lapses mid-year and nobody notices until something goes wrong.
Chasing is awkward.
Nobody enjoys emailing the same person a third time for a PDF.
The paperwork, handled
Collateral does the asking, the reading and the remembering.
Turn scattered certificates and renewal dates into a short list of what actually needs you.
Request in a few clicks
Send one link. They upload from their phone without an account, or forward it to their insurance agent.
You request
One link, anyone you hire
Collateral follows up
Until you have an answer
Every certificate, read for you
Carrier, policy dates, limits and endorsements are pulled out of the PDF and put in one place.
Learn moreFollow-ups that send themselves
Reminders go out until you have an answer, and a renewal request goes out 60 days before a policy expires.
Learn moreYour requirements, side by side
Set the coverage you expect. Collateral flags what looks missing, low or expired.
Learn moreFrom chase to checked
Three steps. A lot fewer emails.
- 1
Add who you work with
A name and an email, one at a time or from a spreadsheet. No complicated setup.
- 2
Send the request
They get a simple, phone-friendly link and can upload a certificate without making an account.
- 3
Watch the list shrink
Collateral reads each certificate, flags what may need review, and keeps an eye on expiration dates.
Built for your line of work
Same chore, different industries.
Whoever you hire, the job is the same: get a current certificate, keep it current, and have it on file when someone asks.
Construction
Subcontractor COIs before they're on site
Learn moreTherapy practices
Malpractice coverage for every clinician
Learn moreProperty management
Vendor COIs for every property
Learn moreEvents & venues
Vendor certificates before the doors open
Learn moreFitness & wellness studios
Liability insurance for every instructor
Learn more
Beyond certificates
Your own insurance, finally in one place.
Other people's certificates are the first headache we remove. The policy calendar gives your own policies a home too: renewal dates, documents, and the next insurance task worth doing.
See every important date
Your own policies and everyone else's certificates, together.
Get ahead of renewals
Prepare while there’s still time to make a thoughtful decision.
Ask for help when you want it
No hard sell. Just optional access to licensed insurance professionals when the timing makes sense.
Straight answers
Frequently asked questions
Nothing, for most businesses. The free plan covers up to 50 people and businesses with COI tracking, automatic follow-ups and your policy calendar, plus up to 25 certificate reads a month once you're set up. You can add everyone you work with and their current certificates at the start without it counting against that monthly limit. No credit card required.
The people you hire have work to do. Chasing their paperwork shouldn't be yours.
Create your free account and send your first request in minutes.