Platform /Ebix COI

Automate vendor compliance. Eliminate certificate risk, without the overhead.

Ebix COI is certificate of insurance management software that centralizes COI collection, AI-powered validation, and renewal compliance tracking so your team manages exceptions, not paperwork. Backed by 25 years of certificate management expertise.

  • Automated COI collection, validation, and renewal tracking across every vendor
  • AI-powered certificate processing validated against your contract requirements, not generic defaults
  • 250+ in-house insurance professionals resolving the cases automation cannot handle
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Ebix COI compliance dashboard
The Problem

Disconnected systems make vendor compliance harder to manage, and more expensive.

  • Certificates arrive by email, fax, and vendor portal with no central system of record for insurance compliance
  • No clear view of total vendor insurance risk, compliance status lives in spreadsheets, not a live dashboard
  • Manual follow-up for expiring certificates is time-consuming, inconsistent, and prone to gaps
  • COI validation uses generic thresholds, not the actual limits and endorsements your contracts require
  • No audit trail when a disputed claim surfaces, no documentation linking certificate decisions to contract requirements
What this looks like in practice

Your GL renewal is in six weeks. The broker needs loss runs, procurement is asking for updated vendor COIs, and three subcontractors have certificates expiring before the project close but nobody knows until someone digs through email folders.

Risk & Compliance Manager — Construction Enterprise

Ebix COI was built for exactly this. A centralized, easy-to-implement COI management platform that consolidates certificate collection, AI-powered validation, and vendor compliance tracking, delivering the clarity to act on risk, not react to it.

The Platform

Built around two core disciplines.

Ebix COI combines automated certificate management with a contract intelligence layer, not bolted together as separate tools, but designed to work as one program.

COI Program

Automated certificate collection, validation, and renewal tracking across your entire vendor base. The compliance engine your program runs on, from intake through enforcement.

  • COI intake via email, mail, and vendor self-service portal
  • AI extraction and validation against your requirements
  • Automated renewal alerts and expiration tracking
  • Real-time compliance dashboards and full audit trail
  • Expert escalation for non-standard or disputed certificates
  • 40+ document types tracked with dynamic reporting

Lens Intelligence Layer

Four intelligence modules that go deeper than certificate tracking. Validate what contracts actually require, understand what policies truly cover, and see the financial risk your vendors carry.

  • Insurance obligations extracted from agreements; every COI validated against what the contract actually requires.
  • Underlying policy analyzed for exclusions and gaps the certificate alone does not surface.
  • Vendor financial health signals displayed alongside COI compliance status.
Coming SoonExposure Lens — Portfolio-level concentration risk modeling across your active vendor program.
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How it works

Collect → Validate → Monitor → Resolve.

Four steps. One continuous compliance loop. Every outcome your vendor program depends on.

1
Collect

COI received via email or vendor portal — standardized intake with clean requirements for faster, accurate processing.

2
Validate

AI-powered verification extracts COI data automatically, validating against contract requirements — not a generic ruleset, reinforced by expert review in Full Service.

3
Monitor

Compliance status visible in real time. Renewals tracked and expirations flagged before they become gaps.

4
Resolve

Deficiencies escalated to your team or handled by Ebix insurance professionals, with a full audit trail at every step.

When a deficiency is found: In Full-Service, a dedicated outreach team resolves non-compliance directly with the third party. In Self-Service, automated notices and actionable alerts equip your team with the context needed to resolve issues quickly.
Deployment Options

Self-service platform or fully managed program.

Run Ebix COI yourself, or let a team of 250+ insurance professionals handle it entirely. Both are powered by the same platform. Upgrade your operating model at any time.

Self-Service Platform

Your team drives.

We power it.

Full platform access with automated workflows, real-time dashboards, and AI-assisted validation. Your team manages exceptions; Ebix COI handles the rest.

  • COI intake via email or direct upload to the application
  • COI extraction and validation against your requirements
  • Automated renewal alerts and expiration tracking
  • Real-time compliance dashboards and full audit trail
  • Escalation notification for non-standard or disputed certificates
  • 40+ document types tracked with dynamic reporting
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Full-Service Managed

We run it.

You stay protected.

A dedicated team of 250+ in-house insurance professionals handle vendor outreach, deficiency resolution, and renewal management. Compliance without the overhead.

  • Everything in Self-Service, fully operated for you
  • Dedicated inbound and outbound compliance support teams
  • Expert coverage review by licensed insurance professionals
  • System automated vendor outreach and deficiency resolution
  • QA validation with 99.9% data accuracy and structured SLAs
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FAQ

Common questions about Ebix COI.

Certificate of insurance software automates the collection, validation, and ongoing monitoring of insurance certificates from vendors, subcontractors, or third parties. Instead of managing COIs manually through email and spreadsheets, organizations use COI software to collect certificates at scale, validate coverage against contract requirements, track expirations, and maintain a complete compliance audit trail. Ebix COI handles the full lifecycle from intake through renewal with AI-powered processing and optional expert management.

Ebix COI is built for organizations that manage vendor, subcontractor, or third-party insurance compliance at scale. Primary users include risk managers, procurement leaders, compliance teams, and operations professionals in construction, real estate, healthcare, staffing, and enterprise organizations managing large vendor programs. It works equally well for teams running the program themselves and for organizations that want Ebix professionals to manage it entirely.

AI-powered COI verification reads certificate data automatically, extracting coverage limits, endorsement language, named insured fields, and expiration dates from ACORD forms, and validates them against your requirements without manual review. This eliminates the processing delay and human error that create compliance gaps in manual programs. Edge cases are escalated to insurance professionals, not left unresolved.

Insurance verification confirms that a vendor has active coverage. COI management goes further — it validates coverage against your specific contract requirements, tracks ongoing compliance as policies renew, and maintains a documented record of every certificate decision. The distinction matters most when a claim hits and you need to demonstrate that the certificate on file actually met your contractual threshold, not just that some coverage existed.

ROI from COI automation comes from two areas: operational cost savings and risk reduction. On the cost side, automating collection and tracking eliminates significant staff hours previously spent on manual certificate requests, follow-up, and expiration monitoring. On the risk side, the larger benefit is avoiding the liability exposure created by undetected coverage gaps — vendor incidents where the certificate on file did not meet your contract requirements. Organizations managing 100+ vendors typically see clear ROI within 6 to 12 months.

Map your vendor compliance program.

One conversation with an Ebix COI specialist is enough to scope the right entry point and show what implementation looks like for your program.

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