Comparison
COI Shield vs. the spreadsheet
The spreadsheet is free and familiar — and it silently fails at the one moment it exists for: knowing, before something goes wrong, that a certificate lapsed.
| Spreadsheet | COI Shield | |
|---|---|---|
| Reading each certificate | You, line by line | AI, in seconds |
| Checking limits against requirements | Manual, per contract | |
| Endorsements (additional insured, waiver) | Usually skipped | |
| Renewal tracking | A date column and hope | Automatic 30/14/7 reminders |
| Chasing subs for documents | Your inbox | Automatic, with upload links |
| Per-job-site requirements | A tab per project, if maintained | |
| Proof for an owner, lender or auditor | Screenshots | Dated exportable report |
| Who did what, when | Full compliance log | |
| Cost | Free — plus the hours | From $150/mo |
| Familiarity | Everyone knows Excel | One import away |
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