AI COI compliance for SMBs
Collecting COIs isn't the same as being covered.
Disclaimr AI requests certificates from your vendors, checks them against what your contracts actually require, and confirms with the insurer that the coverage is real and active. So a lapsed, fake, or not-quite-right policy never becomes your claim.
Founding pricing for early members. No spam, just the launch.
Built for 5–100 vendors. No 200-certificate minimum. No enterprise pricing.
The gap nobody mentions
A COI is just a PDF a vendor sent you.
It says they had insurance on the day they printed it. That's all it says. It doesn't tell you the limits match your contract. It doesn't tell you the policy got cancelled three weeks later. And it won't tell you the endorsement you required isn't actually on there.
Most "tracking" tools just file those PDFs neatly and ping you at renewal. That's not protection — it's organized exposure. A folder full of stale certificates won't help you when a claim lands on your desk.
How Disclaimr AI works
Four steps from "we think they're covered" to knowing they are.
Just forward the email
Your vendor doesn't need an account, a login, or a portal to fight with. They email the certificate the way they already do — straight to their contact at your company, or to Disclaimr AI directly.
CC Disclaimr AI on the thread (or forward it), attach the COI as a PDF, image, or even a phone photo. Disclaimr AI reads it with OCR, pulls out every field — carrier, limits, endorsements, dates, named insured — and files it in your tracker. Disclaimr AI chases the slow vendors for you, so you're not the one sending the fourth follow-up.
Validate against your actual contract
This is the part everyone else skips. Disclaimr AI reads the insurance language in your contract and checks each certificate against it — limits, additional-insured, waivers, endorsement forms, the entity name. Not a generic template. Your deal's specific requirements.
Confirm the coverage is real
A certificate can be forged, expired, or cancelled and still look perfect. Disclaimr AI verifies straight from the source — the carrier or agent who wrote the policy — and keeps watching for mid-term cancellations after the cert is issued. It checks the carrier's financial rating too, so you're not leaning on a policy from a company that can't pay.
Stay ahead of every renewal
Automatic reminders at 90, 60, 30, and 14 days out — to the vendor and their agent. Plus a time-stamped history you can pull for any date. When an auditor or a lawyer asks "were they covered on March 4th?", the answer's in the search box.
What you get
Less chasing. No nasty surprises.
Get your week back
Stop hand-collecting PDFs and squinting at coverage tables. Disclaimr AI does the collecting and the checking, so your team does the work that actually matters.
Sleep through claim season
When something goes wrong on a job or a property, you'll know the responsible party is genuinely insured — not just that they once handed you a piece of paper.
Audit-ready in minutes
Pulling 50 certificates for a legal request used to eat a week. Now it's a search and an export. Every status, every date, on the record.
Priced like the SMB you are
No 200-certificate floor. No mid-five-figure enterprise contract. Flat, simple pricing that makes sense at 30 vendors — not 3,000.
Who it's for
If you require insurance from the people you work with, this is for you.
GCs & specialty trades
You've crossed 25, 50, maybe 100 active subs, and the spreadsheet that used to work is now a liability. One uninsured sub can stall a job or leave you holding a claim that was never yours.
Property managers
Cleaners, landscapers, plumbers, roofers — everyone touching your buildings needs coverage. "We think they're covered" isn't good enough when a tenant gets hurt.
Growing vendor networks
Any business past the point where one person can track certificates by hand. If you've got a drawer of COIs and a nagging feeling some are stale, that's the feeling Disclaimr AI removes.
Giant enterprises with a dedicated risk department and a six-figure compliance budget. The big platforms already fight over you. We built Disclaimr AI for everyone they priced out.
Questions
The things people ask first.
How is this different from just collecting and storing COIs?
Do my vendors have to create an account?
What if a vendor just emails me the certificate?
What does "validate against my contract" actually mean?
How do you confirm the coverage is real?
Do I get charged per certificate?
Will my vendors get charged to upload?
Does Disclaimr AI sell or issue insurance?
When can I use it?
One bad certificate shouldn't cost you the job.
Get on the list. Be one of the first to put COI chaos on autopilot — and actually know your vendors are covered.
Founding members get first access and founding pricing.
Join the waitlistFounding pricing for early members. No spam, just the launch.