The COIFort Blog
Practical guides on certificates of insurance, vendor compliance and risk management.
COI Tracking: The Complete Guide for 2026
What a certificate of insurance actually proves, why spreadsheets fail, and how automated COI tracking works end-to-end.
Read more →Certificate of Insurance Requirements: A Checklist for Contractors
The five coverage types to require from every contractor, what limits are actually reasonable, and the additional insured clause everyone forgets.
Read more →The Real Cost of NOT Tracking Certificates of Insurance
An uninsured contractor incident can cost six figures. Here is how much manual COI tracking really costs — and what automated tracking saves.
Read more →HOA Contractor Insurance Requirements: What Boards Must Track
Associations hire dozens of contractors every year. Here is what HOA boards should require — and how to track it without volunteer burnout.
Read more →Workers Compensation Requirements by State: A Contractor’s Cheat Sheet
Workers comp thresholds differ wildly by state — from 1 to 5 employees. Here is how to verify contractor coverage correctly.
Read more →How to Track Certificates of Insurance: A Step-by-Step Process
A practical, repeatable process for tracking vendor certificates of insurance — from collecting them to never missing a renewal.
Read more →How to Run a COI Compliance Audit in One Afternoon
A step-by-step method to audit your vendor insurance files — what to check, what to fix first, and how to prove compliance to insurers and owners.
Read more →How to Build a Vendor Insurance Policy Your Company Will Actually Follow
A vendor insurance policy is the contract that makes COI tracking enforceable. Here is what to put in it — and what happens when you do not have one.
Read more →Certificate of Insurance vs Proof of Insurance: What's the Difference?
They sound interchangeable — they are not. When a vendor sends "proof of insurance" instead of a certificate, here is what to check before accepting it.
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