COI and Insurance Compliance
What is a COI (Certificate of Insurance)?
A Certificate of Insurance (COI) is a document that shows a vendor, tenant, or subcontractor has insurance coverage (like General Liability or Workers’ Comp). A COI is often required before work starts, payments are released, or a tenant project moves forward.
But there’s an important catch: a COI alone doesn’t guarantee compliance. Critical details often live in endorsements and policy language, not just what’s summarized on the certificate.
What is insurance compliance (and why it matters)?
Insurance compliance is the process of ensuring third parties (vendors, tenants, subcontractors) meet your organization’s insurance requirements — limits, endorsements, naming requirements, and more — so liability is properly transferred before something goes wrong.
When compliance breaks down, it typically shows up as:
- Delayed projects, vendor onboarding, leasing workflows, or payments
- Extra admin work and endless email threads
- Hidden exposure that only becomes obvious after an incident
Why Insurance Compliance Breaks Down
Insurance compliance is the kind of work that quietly breaks everything. It creates delays, introduces risk, and drains time from teams who were hired to build, manage, and operate, not chase documents.
So we built Jones to do one thing exceptionally well: help construction and commercial real estate teams collect, review, verify, and track third-party insurance at scale, so compliance becomes a seamless part of doing business, not a recurring fire drill.
Jones COI Management Platform
What Jones does
Jones is an end-to-end insurance compliance platform built for construction and commercial real estate. That means we cover the full workflow — from collection to verification to reporting — across portfolios and projects.
Insurance compliance fails when third parties don’t cooperate. Jones automates outreach and follow-ups so COIs actually get submitted:
- Automated requests, reminders, renewals, and gap notifications
- A low-friction third-party experience that drives response rates
Storing documents isn’t the hard part. The hard part is verifying the details, especially when requirements get complex.
Jones reviews insurance documents against your requirements with a workflow designed for both speed and credibility, so “compliant” means something you can rely on.
When something is missing or wrong, Jones makes it clear: what’s missing, what’s wrong, and what needs to happen next. So issues are resolved faster and your team isn’t stuck as the middleman.
You get a clear record of compliance status, changes over time, and actions taken — plus reporting that helps you manage performance across a portfolio or project set.
When compliance lives inside your systems of record, it becomes operational, not “another dashboard.”
For construction teams, Jones can embed compliance tasks and statuses directly in Procore workflows. For property management teams, Jones integrates COI management into MRI workflows so property management, payments, and compliance live together.
Our focus is outcomes: higher collection rates, faster turnaround, fewer errors, clearer decisions, and stronger risk transfer.
AI-Powered COI Verification
Every document receives human review — supported by AI
We’re intentional about this: every insurance document receives human review, with AI used to accelerate and support the process, not replace it.
Insurance compliance has too many edge cases for OCR-only workflows to be trustworthy at scale.
We’ve seen the failure modes: a COI that looks fine, but the endorsement isn’t. The right limits, but the wrong language. A subtle exclusion that changes everything.
That’s exactly why we combine AI with insurance expertise: fast turnaround with depth.
Why Jones for COI Compliance
Why Jones is different
Most COI tools fall into one of two buckets: trackers that store documents but don’t reliably verify details, or automation-first tools that still push the hard work back onto your team when things get complex. Jones is different in a few structural ways.
Customers switch to Jones when they need fast turnaround and credible review — especially when other solutions slip to days or weeks during busy periods.
Compliance breaks down when vendors, tenants, and subs get stuck. We’ve optimized collection and submission to reduce friction and reduce the internal “chase” burden.
It’s not enough to have a connection on paper. Our approach is to embed compliance where work and payments happen, so status updates aren’t manual busywork and teams stay aligned.
Buyers don’t just want software. They want the problem truly handled. We emphasize operational support and clear accountability for outcomes.
Jones Customers: Construction and Real Estate
Trusted by teams in the built world
We work with construction and real estate teams across the built world.
Bulley & Andrews (Construction)
Gaedeke (Commercial Real Estate)
Switching to Jones is intentionally low-effort
A big reason insurance compliance stays broken is switching pain: “We’ll fix it later.” “We can’t disrupt the process.” “We don’t have time to migrate.”
FAQs: COI Tracking and Verification
What Teams Ask Us
What’s the difference between COI tracking and COI verification?
Do vendors or tenants need a login?
How does Jones work with Procore?
How does Jones work with MRI?
Why not just upload COIs into a general AI tool?
Jones COI Compliance: The Bottom Line
Jones exists to make insurance compliance run like an operating system
That’s what it looks like when insurance compliance stops being a tax on the business — and starts being a competitive advantage.
Book a demo and one of our experts will be in touch for a no-obligation conversation.