COI compliance · Payment control

Stop paying vendors whose insurance has already lapsed.

myCertGate collects and checks every certificate, waiver and W-9, then locks payment approval until each vendor is compliant.

Start with a 14-day free trial — no credit card required. Explore sample data anytime in Demo view; your live workspace starts clean.

Meridian Crossing Tower · Vendors

78% compliant
  • Northbeam Steel Works

    Exp. Apr 2027

    Compliant
  • Copperline Electric

    Exp. in 5 days

    Expiring Soon
  • Harborline Mechanical

    Missing CG 20 10

    Deficient
  • Stonemark Concrete Co.

    $48,250 on hold

    Lapsed / Hold
  • Evergreen Landscaping

    AI confidence 82%

    Under Review

60s

Average AI COI read time

100%

Payments gated by the Trinity

0

Vendor logins required

24h

Standard support reply time

How it works

From upload to payment in three steps

No portals for vendors to learn, no spreadsheets for your team to maintain.

01

Vendors upload through a link

Send one intake link per vendor. They upload their COI, W-9 and licenses from any phone — no account, no login, no chasing.

02

AI reads and checks everything

The AI reader extracts every coverage line, endorsement and expiration date, then flags anything below your requirements for human review.

03

Payment stays locked until compliant

The Compliance Trinity — COI, lien waiver and W-9 — must all be in order before any payment can be released. No exceptions, no overrides by accident.

Three documents. One rule. Zero exceptions.

Most compliance tools warn you. myCertGate enforces. A payment can only be released when all three legs of the Trinity are satisfied — and the rule lives in the system itself, not in someone's checklist.

  • Certificate of insurance

    AI-verified, in date, with the endorsements your contract requires.

  • Signed lien waiver

    Progress or final, signed through a link and tamper-evident once signed.

  • W-9 on file

    Collected at intake with a masked TIN — never stored in the clear.

Payment release check

  • COI — Northbeam Steel Works

    Valid · GL $2M · CG 20 10 ✓

    Compliant
  • Lien waiver — Progress #7

    Signed Mar 12, 2026

    Compliant
  • W-9

    On file · TIN •••-••-4821

    Compliant
Trinity complete — payment of $48,250 cleared for release
Platform

Everything between the certificate and the check

Six connected tools that keep vendors compliant and payments safe.

AI COI verification

ACORD 25/28 parsed in seconds, with endorsement checks for CG 20 10, CG 20 37 and waivers of subrogation.

Compliance Trinity pay-hold

No payment is released until the COI, lien waiver and W-9 are all in order.

Renewal tracking & alerts

See every upcoming expiration and send renewal requests to the vendor or their broker in one click.

Jobsite gate passes

Field supers scan a QR code to see who is cleared to be on site today.

Lien waivers & W-9s

Progress and final waivers signed through a link. No vendor login needed.

Job costing ledger

Daily labor, payment vouchers and QuickBooks, Xero or Sage exports.

Who it's for

Built for teams that pay contractors

The same Trinity, tuned for how your industry works.

General contractors

Gate every sub's insurance before they step on site, and hold payment until waivers are signed.

Property managers

Track every vendor across every building from one renewal board — elevators to landscaping.

Lenders & owners

Prove continuous compliance across the draw cycle with an exportable audit trail.

FAQ

Common questions

Your next payment should only go to a compliant vendor.

Start your free trial today — sample data included, no credit card required.