LapseHawk › Free COI checker
Free COI checker
Upload one certificate of insurance and get a plain-English report in seconds: who's insured, which insurers, policy numbers, coverage limits, expiration dates, and a simple checklist against the minimums you set.
Free · no sign-up · file deleted right after it's read
Check a certificate of insurance
A guide, not legal or insurance advice. A certificate of insurance only summarizes coverage and can be out of date or wrong. Verify anything important with the insurer or agent named on the certificate before you rely on it.
What you get
A COI report anyone on the job can read
Who and what
The insured business, the agent who issued it, the certificate holder and every insurer listed, with NAIC numbers when they're shown.
Every policy, in plain words
General liability, auto, umbrella, workers' comp and anything else on the form, with the policy number, start and end dates and the limits that matter.
Dates flagged
Each policy says "expired", "expires in 12 days" or "current", so a lapsed certificate jumps out before work starts.
Your checklist
Set the limits you require (for example GL $1M per occurrence and $2M aggregate) and see what passes, what's short and what the certificate doesn't show.
FAQ
About the free checker
Is the COI checker really free?
Yes. You can check up to 5 certificates a day without an account. To track every certificate automatically, with reminders before anything expires, start a LapseHawk free trial.
What happens to the file I upload?
It is read once to make your report and deleted right away. We don't save the file or what it says, and we don't create an account. We only count how many checks run.
Which certificates can it read?
ACORD 25 certificates of liability insurance and most other COI layouts, as a PDF or a clear photo (JPG, PNG, WebP or iPhone HEIC), up to 10 MB.
Can I rely on the report?
Use it as a guide, not legal or insurance advice. A certificate is only a summary of coverage; confirm anything important with the insurer or agent named on it, and ask for the endorsements if you need additional insured or waiver of subrogation.
Track all your COIs automatically
LapseHawk reads every certificate your vendors send, files it under the right company and warns you before coverage lapses. See also COI tracking software, construction software and property management software.