Automate certificate of insurance verification
Unstract reads every certificate of insurance your vendors and tenants send, checks coverage, limits, additional insured wording and expiry against the contract or lease, and keeps the record current in your vendor or compliance system until renewal.
Trusted by insurance teams around the globe
Certificates arrive as PDFs, and the contract sits in another file
Your contracts and leases spell out the coverage every vendor must carry. The certificates that prove it arrive by email from brokers and subcontractors, and someone opens each one beside the contract to compare limits, endorsements and dates by eye.
Limits copied into a spreadsheet by hand the week a crew is due on site
A crooked scan with the received stamp sitting on the policy dates
A certificate that runs out half way through the job it covers
Three requests sent before the certificate arrives without its endorsement
An expired certificate found at audit, with the vendor still on site
Every certificate that waits in the inbox is a vendor working without proof of the cover your contract demands, and the gap surfaces only when a claim does.
Unstract reads each certificate as it lands, checks it against that vendor's contract or lease, emails the vendor about any gap, and records the expiry date so renewal requests go out on time.
From the vendor's emailed certificate to a tracked vendor record, without the keying
Five steps, run on their own for every certificate. Parsing by LLMWhisperer, extraction by Document Studio, the whole run by Flow.
Pick up certificates wherever vendors send them
Subcontractors, suppliers and tenants send certificates to a shared inbox, reply to a request email or upload them to your vendor portal. Brokers often send the endorsement pages separately. Each file is picked up where it arrives and filed against the vendor it names, together with the insurance requirements from that vendor's contract or lease.
The certificate and the requirement it has to meet sit in one record before anyone looks at either.
Read every certificate, then pull the coverage that matters
LLMWhisperer reads the ACORD 25 with its coverage grid intact, so each policy number stays on the row with its dates and limits, and the ADDL INSD and SUBR WVD boxes keep their marks. Document Studio then extracts the insured, the insurers and NAIC numbers, every policy with its effective and expiration dates and limits, the certificate holder, and the additional insured and waiver of subrogation wording on the endorsement pages.
A broker's own layout or a certificate of currency comes back in the same fields as an ACORD 25.
Check the coverage against the contract before work starts
Each coverage type and limit is compared with the insurance requirements in that vendor's contract or lease. The run confirms the certificate holder's name, the additional insured and waiver of subrogation endorsements, and expiry dates that run past the end of the job. A certificate that meets every requirement moves on. One that falls short stops in a review screen with the certificate value, the contract clause and the vendor's previous certificate side by side.
Only a limit below requirement, a missing coverage or a nonstandard endorsement waits, and it waits for your risk or compliance manager.
Ask the vendor for exactly what is missing
When the risk or compliance manager confirms a gap, the vendor and their broker get an email that names it: the coverage, the limit on the certificate and the limit the contract requires. The vendor is put on hold in your ERP, NetSuite or QuickBooks, so no payment goes out until a corrected certificate arrives. A waiver decision is recorded against the vendor instead, when the manager grants one.
The corrected certificate runs through the same checks the moment it arrives, with no new request to track.
Record compliant certificates and request renewals on schedule
A certificate that passes updates the vendor record in your procurement system, Coupa or SAP Ariba, with every policy and its expiration date. Any hold in NetSuite or QuickBooks lifts on the same run. Renewal requests go to the vendor on the schedule you set, ahead of the earliest expiry, and the new certificate is checked like the first one.
Coverage lapses get caught before the expiry date, not at the next audit.
Watch your own certificates get checked against your contracts.
Send a month of vendor certificates and the insurance exhibit from one contract. We run them live and show every limit, every endorsement and every gap.
Every certificate, endorsement and requirement in the check
Documents
- Certificates of insurance
- ACORD forms
- Contracts and agreements
- Leases with insurance clauses
- Additional insured endorsements
- Waiver of subrogation endorsements
- Primary and non-contributory endorsements
- Notice of cancellation endorsements
- Certificates of currency
- Workers compensation certificates
- Corrected and renewal certificates
- Vendor records from your vendor or compliance system
Fields captured
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Cloud storage like S3, Google Drive, Dropbox and Box. Databases and warehouses like Snowflake, BigQuery, Postgres and SQL Server. Accounting, ERP and CRM systems like QuickBooks, Xero, SAP, NetSuite, Salesforce and HubSpot. Project trackers like Jira, Asana, ClickUp and Linear. And anything with an API.
Start with one project or one property portfolio
No developers on your side. The checks are built from your own contracts and the certificates your vendors already send, and proven on one group of vendors before the rest join.
Book a consultation
We go through your insurance requirements together: which vendor types need which coverage, what the contract exhibits say, and who decides on a waiver.
Built on your certificates and contracts
The fields, the requirement checks, the gap emails and the connection to your vendor or compliance system are set up on real certificates and contract exhibits from your own vendors.
Pilot one project, then add the rest
One job site or one portfolio runs live within days. When the holds match what your compliance team would have caught, every other vendor group moves over on the same requirements.
For the people who clear vendors to work
Each subcontractor's certificate checked against the subcontract exhibit, with a crew held off site until the umbrella and additional insured wording meet it.
Tenant and vendor certificates checked against each lease, with the owner and manager named as additional insured and renewals requested before the lease year turns.
Hundreds of vendor certificates held to their contract requirements automatically, so the team reviews only the shortfalls and the waiver requests.
Clients' incoming certificates checked against their contracts as a service, with the gaps in coverage a broker can fix spotted before the client asks.
Vendors cleared faster, with no certificate lapsing unnoticed
Vendor insurance records, kept under your control
A certificate file shows who works for you, on which projects, and how much cover each vendor carries. The contract exhibits beside it show the risk terms you negotiate. Together they are a map of your supply chain and your exposure.
- Certificates, endorsements and contracts encrypted in transit and at rest.
- Vendor certificates and contracts are never used to train models.
- Access by role, project and vendor group, with each waiver, correction and approval logged against the certificate.
- Retention you choose: superseded certificates are deleted when your record-keeping period ends.
- Self-hosted deployment when your policies keep vendor and contract data inside your own environment.
What risk and compliance managers ask first
It reads the content, not a template. LLMWhisperer keeps each certificate's layout as text, and Document Studio pulls the same fields from an ACORD 25, a broker's own certificate or a certificate of currency. Every certificate lands in one record shape, ready for the same contract checks.
Point one inbox or vendor portal at the run and let it collect them. Each certificate and its endorsement pages are filed against the vendor they name, read, and checked against that vendor's requirements, so nobody saves attachments or renames files.
Three things: it reads the certificate itself instead of asking someone to key the limits in, it checks endorsements as well as limits, and it chases the vendor when something falls short. The best certificate of insurance tracking software also stops the questionable cases for a person rather than passing them on a guess.
Yes. Most insurance certificate tracking software stores certificates and expiry dates once someone enters them. Unstract does the reading and checking, then posts the result to the tool you keep, or straight to your vendor or compliance system.
Certificate of insurance management software gives you a place to file and track certificates. Unstract runs the work around that file: it reads each certificate, compares it with the contract or lease, emails the vendor about gaps, holds the vendor in your ERP and sends renewal requests.
Yes, against requirements you set per contractor type. A roofer can need a $5M umbrella and a cleaning crew $1M general liability; each certificate is checked against its own requirement, and only the ones that fall short reach your team.
Yes. A held certificate offers both choices. A waiver is recorded with the manager's name and reason against that vendor, and the run moves on. A request sends the vendor an email naming the exact gap.
Yes. Every policy's expiration date is recorded, and the request goes out on the schedule you set, such as 30 days before the earliest expiry. The renewed certificate is read and checked like the first.
In your vendor or compliance system: the vendor record in Coupa or SAP Ariba with each policy and expiry date, and a hold in NetSuite or QuickBooks while a gap is open. Flow posts both as part of the run.
Unstract is SOC 2, ISO 27001, GDPR and HIPAA compliant. Certificates and contracts are encrypted in transit and at rest, never used to train models, and kept only as long as you set. Self-hosted deployment is available; see the Trust Center.
A consultation where we map your insurance requirements and vendor system, then a pilot on one project or portfolio using your own certificates. Most teams see their first live certificates checked within days, with no developer time on their side.
Send us a month of certificates and one contract
The ACORD 25s, endorsement pages and broker certificates your vendors sent last month, plus the insurance exhibit they have to meet. You see each one checked, and every gap named.