COI Validation
as a Service
Send a Certificate of Insurance image or text. Get a compliance score, gap analysis, and policy extraction — in under 3 seconds. Built for platforms that verify vendor insurance at scale.
3s
Average response time
60%
COIs have errors we catch
10K
Validations per month
$0.04
Per validation at scale
Instant Validation
Send a COI, get a 0-100 compliance score and detailed gap list. No manual review needed — AI checks every field.
Image + Text OCR
Upload a COI photo or paste extracted text. AI reads carrier name, policy numbers, dates, limits, and endorsements automatically.
Custom Requirements
Define GL, WC, Auto limits and endorsement requirements per vendor. Get pass/fail per field with specific gap descriptions.
Expiration Alerts
Returns days-until-expiry for every policy. Webhook alerts when COIs expire — never caught with an uninsured contractor.
Structured JSON
Every response includes score, gaps, requirements_met, extracted policies, and endorsement status — ready for your database.
Secure by Default
API keys with per-key usage limits. TLS 1.3. Documents processed in memory only — never stored. SOC 2 compliant infrastructure.
Try the API — Live Demo
Paste a Certificate of Insurance and see the validation response in real-time
API Reference
Two endpoints. One header. Everything you need.
const response = await fetch(
'https://tachyontracker.com/api/validate-coi',
{
method: 'POST',
headers: {
'Authorization': 'Bearer tt_live_...',
'Content-Type': 'application/json',
},
body: JSON.stringify({
text: 'CERTIFICATE OF INSURANCE...',
// OR: image: 'base64_encoded_image...',
mode: 'coi',
requirements: {
gl_per_occurrence: 1000000,
gl_aggregate: 2000000,
wc_statutory: true,
auto_combined: 500000,
additional_insured: true,
waiver_of_subrogation: true,
'30_day_cancellation': true,
}
}),
}
);
const result = await response.json();
// {
// validation: {
// score: 62,
// gaps: [
// "GL aggregate below $2M ($1M found)",
// "Additional insured not listed",
// "No waiver of subrogation"
// ],
// requirements_met: {
// gl_per_occurrence: true,
// gl_aggregate: false,
// additional_insured: false,
// waiver_of_subrogation: false
// },
// policies: [...],
// additional_insured: false,
// waiver_of_subrogation: false,
// expires_in_days: 47
// },
// analysis: { overall_score: 62, summary: "..." },
// usage: { used: 1, limit: 500 }
// }Request Parameters
Response Fields
Simple, Transparent Pricing
Pay per validation. No setup fees. Cancel anytime.
Starter
500 validations/month
$49/mo
$0.10/validation
- ✓ Image OCR included
- ✓ Custom requirements
- ✓ Structured JSON output
- ✓ 1 API key
Pro
2,000 validations/month
$149/mo
$0.07/validation
- ✓ Everything in Starter
- ✓ Expiration webhooks
- ✓ 3 API keys
- ✓ Priority support
- ✓ Batch endpoint (coming soon)
Enterprise
10,000 validations/month
$399/mo
$0.04/validation
- ✓ Everything in Pro
- ✓ 25 API keys
- ✓ Custom SLA
- ✓ White-label options
- ✓ Dedicated support
Overage: $0.10/validation beyond plan limit · Annual billing: 20% discount · All plans include TLS 1.3, rate limiting, and audit logging
Built For Platforms That Verify Vendor Insurance
Integrate COI validation directly into your existing workflow. Your users never leave your platform.
Construction PM
Procore, BuilderTrend, or your own platform — verify every sub's COI at onboarding
Property Management
Auto-verify vendor and tenant insurance before approving work orders
Staffing Platforms
Validate contractor insurance compliance before every dispatch
Insurance Brokerages
Audit COIs at scale for carrier programs and captive insurers
Compare: COI Validator API vs. Manual Review vs. GRC Tools
| Feature | COI Validator API | Manual Review | ISNetworld / Avetta |
|---|---|---|---|
| Cost per validation | $0.04–0.10 | $15–25 (labor) | $1,500+/yr + contractor fees |
| Response time | 3 seconds | 15–20 minutes | 1–3 business days |
| API integration | ✓ | ✗ | ✗ |
| Custom requirements | ✓ | Manual | Limited |
| Image OCR | ✓ | ✗ | Partial |
| Contractor pays | No | No | Yes ($200+/yr) |
FAQ
What file formats does the COI Validator API accept?
The API accepts base64-encoded images (PNG, JPG), raw COI text, and PDF documents. You can also pass extracted text from your own OCR pipeline.
How fast is the API response?
Average response time is 2-4 seconds for text validation and 3-6 seconds for image OCR + validation. The AI model processes each COI individually for maximum accuracy.
Can I customize the compliance requirements?
Yes. Pass a requirements object with your specific GL per-occurrence/aggregate limits, WC statutory requirements, auto liability minimums, and endorsement requirements (Additional Insured, Waiver of Subrogation, 30-day cancellation, Primary & Non-Contributory).
Is there a free tier or trial?
You can test the scanner free at tachyontracker.com/scan (5 scans/month). For API access, the Starter plan at $49/mo includes 500 validations. Contact us for a test key.
How does the API compare to manual COI review?
Manual COI review takes 15-20 minutes per document and misses 60% of errors. The COI Validator API checks coverage limits, endorsements, expiration dates, and compliance gaps in under 5 seconds with higher accuracy.
What about data privacy and security?
Documents are processed in memory only and never stored. All API calls use TLS 1.3 encryption. API keys are hashed, and usage is tracked per-key. Infrastructure is SOC 2 compliant with 256-bit encryption at rest.
Ready to automate COI verification?
Get an API key and start validating Certificates of Insurance in minutes.
Starter: $49/mo (500 validations) · Pro: $149/mo (2,000) · Enterprise: $399/mo (10,000)