docinsured.com

What it is

docInsured is a SaaS platform focused on Certificate of Insurance (COI) management. It serves three types of users: certificate holders, insurance brokers, and insureds. The product aims to replace the traditional mix of emails, PDFs, and spreadsheets by bringing requests, uploads, issuance, compliance checks, renewal reminders, and audit trails into a single workflow.

Core features and collaboration

At the center of the platform are reusable compliance templates. Users can predefine requirements such as limits, endorsements, Additional Insured, and Waiver of Subrogation. When a vendor uploads a certificate or a broker delivers one, the system checks each coverage line against the template and generates a plain-English AI Compliance Read. It also supports vendor rosters, status labels, 30/14/7-day expiration reminders, activity logs, CSV export, and certificate download and archiving. On the broker side, users can issue ACORD 25 PDFs or upload standard PDFs exported from systems such as Applied Epic, EZLynx, NowCerts, and Vertafore. For collaboration, the three parties can move through the process via request links and the shared platform. Premium explicitly supports multiple users within an organization, though more granular permission controls are not disclosed.

Pricing and free plan

Holder Standard is free forever, with support for up to 25 vendors. It includes unlimited templates, email upload links, AI compliance interpretation, pre-send checks, and status reminders. Holder Premium is listed at $99/month and offers unlimited vendors, multiple users, and audit-ready records. However, the site states that paid plans have not officially launched yet, and that the service will remain free during early access until billing is enabled. Broker is free forever, with no per-certificate or per-seat fees. Insureds get 5 free deliveries, then pay $29 per delivery or $149/year for unlimited delivery. Teams with more than 500 vendors, multiple subsidiaries, or requirements such as SSO/custom contracts can contact the company.

Security, integrations, and limitations

The security disclosures are relatively specific: HTTPS in transit; certificate files stored in private Vercel Blob storage and accessed through an authenticated proxy; passwords handled by Clerk rather than stored in the docInsured system; account deletion support; and vendor data deletion for GDPR/CCPA requests. AI extraction uses Anthropic, but the terms clearly state that AI results and compliance statuses are for reference only and do not constitute insurance, legal, or regulatory advice, nor is accuracy guaranteed. Public materials do not indicate SOC 2, ISO 27001, a public API, webhooks, or self-hosted deployment.

Pros, cons, and who it is for

Its strengths are a focused use case, a complete workflow, and a practical free tier. It is especially suitable for small and midsize holders still tracking vendor insurance certificates in spreadsheets, as well as U.S. insurance brokerages and contractor ecosystems. The downsides are that the product appears to be at an early stage, with limited information on enterprise-grade compliance, API ecosystem, payment methods, and long-term service reliability. It is also strongly tied to the U.S. COI/ACORD 25 context. Access and payment availability from China are unknown. For China-local insurance or supplier compliance workflows, it may be worth evaluating local low-code, contract compliance, or supplier management systems as alternatives.