Signal for certificates of insurance
COI Management Software
Every vendor, sub, and tenant handed you a certificate of insurance once — and most of those certificates have since expired. Signal chases the renewals so your risk team doesn't.
An expired COI means their risk is now your risk
Certificates of insurance are collected diligently at onboarding and then rot. A COI is a snapshot — most expire within a year — and the day after a vendor's policy lapses, their liability quietly becomes yours: the uninsured subcontractor's injury lands on your workers' comp, the vendor's damage claim lands on your general liability, and your own insurer raises the premium accordingly. Courts and carriers won't care that a certificate was on file once; what matters is whether coverage was current on the day of the incident.
Tracking COIs is a chasing game, and chasing is exactly what busy teams drop. Each certificate has its own expiry, each vendor needs a nudge (and a second nudge) to send the renewal, and the folder of PDFs tells you nothing until someone opens each one. Property managers, GCs, and franchisors can be holding hundreds of certificates — a compliance surface that only works if the follow-up is automatic.
Who tracks COIs with Signal
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General contractors and subs
A COI item per subcontractor per project, with GL and workers' comp dates tracked.
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Property managers and tenants
Tenant liability certificates across the portfolio, grouped by building, with reminders to both the manager and the tenant.
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Vendor compliance programs
Every supplier required to carry coverage, reminded before expiry — so the approved-vendor list means what it says.
How Signal handles it
- Multiple recipients — including them. Add the vendor's own contact as a recipient. Signal's reminder chases them directly for the renewed certificate, cc'ing your team automatically.
- Reminder schedules. 30/14/7-day offsets with a daily repeat near expiry — the persistent follow-up cadence that actually extracts renewed COIs from vendors.
- Companies and folders. A company per vendor, folders per project or building — filter to one job's subs or one building's tenants instantly.
- Audit log and export. Every reminder and acknowledgement is logged, and the whole register exports to CSV — proof of a working COI program for insurers and lawyers.
Frequently asked questions
Can Signal remind the vendor directly instead of just us?
Yes — that's the killer feature for COI work. Attach the vendor's contact as a recipient and they receive the expiry reminders themselves, with your team on the same schedule. The chasing happens automatically.
How do we handle a vendor with multiple policies on one COI?
Track the earliest-expiring policy as the item date, or create an item per policy line (GL, auto, workers' comp, umbrella) for vendors where each matters. Custom fields hold limits and policy numbers.
What do we do when the renewed certificate arrives?
Renew the item with the new expiry date and Signal reschedules all reminders. The old dates remain in the item's history — exactly what you want in a dispute.