Certificial
Certificial is a real-time certificate of insurance (COI) verification platform connecting insurance agencies, brokers, and certificate holders through its patented Smart COI Network that replaces static PDFs with continuously updated policy data.
- Company typePrivate
- Founded2019
- HeadquartersHolly Springs, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Certificial does
Certificial is a real-time certificate of insurance (COI) verification and compliance platform founded in 2019 and headquartered in Holly Springs, North Carolina. The company's core product is its patented Smart COI Network (U.S. Pat. No. 11,501,379), which connects directly to insurance agents' agency management systems (AMS) — including Applied Epic, Vertafore AMS360/Sagitta/QQ Catalyst, and others — to synchronize live policy data with ACORD-formatted certificates. Unlike traditional document-based COI tracking that relies on static PDFs, Smart COIs automatically update within seconds of policy cancellations, coverage reductions, endorsements, or schedule modifications, addressing a structural failure mode in vendor compliance where outdated certificates persist for months after coverage changes. The architecture is closed-loop: only licensed, verified agents and brokers can submit certificates, eliminating vendor-submitted fraud at the platform level.
The product portfolio spans four surfaces: (1) COI Tracking for companies/requestors (risk managers, procurement, TPRM professionals), (2) COI Issuance for agencies and brokers, (3) EndorsementIQ as an endorsement-monitoring add-on, and (4) a dual-API offering (Insurance Tracking API and COI Issuance API) that allows technology platforms and insurtechs to embed COI capabilities. The company employs a multi-segment go-to-market: enterprise field sales for mid-to-large companies managing vendor networks; an API-first, free-to-integrate motion targeting InsurTech, PropTech, FinTech, and vendor management platforms; and a channel/partner program (Vendor Management Partner Program launched June 2025) covering compliance platforms such as Achilles, Apex Analytix, Aravo, Certa, DAT Freight & Analytics, Fyxt, Graphite Connect, Mesh Verify, Truckstop/RMIS, Trustd, and VenLink.
Revenue mechanics rest on subscription pricing customized to vendor volume and feature scope (free tier for up to 5 vendors; mid-five-figure annual contracts reported for basic deployments; six-figure contracts for comprehensive implementations), with APIs offered free to technology partners as a distribution and ecosystem-buildout lever. The platform is used by 100,000+ companies and 25,000+ insurance agencies, with the agency network reportedly covering 90%+ of commercial business insurance in the US and Canada. Notable enterprise customers include Amazon, Paramount, Yardi, Truckstop, PowerFlex, and Zurich North America (the latter automating 50,000+ COIs annually through the platform). Total disclosed funding is approximately $20.8 million across a $5.8 million Series A (June 2021, IA Capital and Nationwide) and a $15 million round (July 2023, led by Nyca Partners). The company employs 11–50 people.
Certificial firmographics
Firmographics- Name
- Certificial
- Legal name
- Certificial, Inc.
- Website
- https://certificial.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Certificial is a real-time certificate of insurance (COI) verification platform connecting insurance agencies, brokers, and certificate holders through its patented Smart COI Network that replaces static PDFs with continuously updated policy data.
- Ownership category
- akta.pro rank
Certificial industry classification
Industry- Product category
- Insurance Verification Software
- NAICS
- Offices of Certified Public Accountants (541211)
- akta.pro primary industry
- Regulatory Reporting Hubs & Aggregators (Multi-Regime/Multi-Asset) (FSAFAJAF)
Keywords
Where Certificial is headquartered
LocationHeadquarters
- HQ city
- Holly Springs
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Certificial business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- COI Tracking Platform Subscription: Platform subscription for companies (requestors) to track and monitor supplier COIs in real-time. Pricing is customized based on vendor volume and required features, with a free plan for up to 5 vendors.
- COI Issuance Platform for Agents/Brokers: Platform for insurance agencies and brokers to issue Smart COIs and automate reissuance when policies update. Agencies and brokers receive requests directly in their existing agency management systems (Applied Epic, Vertafore, etc.).
- API Access for Technology Partners: APIs for technology companies (InsurTechs, PropTechs, FinTechs, etc.) to integrate COI capabilities into their platforms. APIs are free for technology partners to access the Smart COI Network.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free Plan - Up to 5 Vendors |
| Subscription | Annual | Enterprise/Custom Plan - Unlimited Vendors |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Certificial product offering
Product offeringCore offering
Certificial operates the Smart COI Network, a real-time certificate of insurance (COI) platform that replaces static PDF certificates with continuously updated digital certificates. The platform serves three audiences: companies/requestors track and monitor supplier COIs in real-time; insurance agencies and brokers issue and automate reissuance of Smart COIs through their existing agency management systems; and technology platforms integrate COI capabilities via APIs. Coverage changes such as cancellations, limit reductions, and schedule modifications are reflected within seconds by syncing directly to source policy data from licensed agents and brokers.
Product overview
Certificial is an all-in-one Certificate of Insurance (COI) platform combining certificate issuance and compliance management. The core product portfolio consists of COI Tracking for companies/requestors, COI Issuance for agencies and brokers, and EndorsementIQ as an add-on module. The Smart COI Network connects all parties—insurance agencies, insureds, and requestors—in one platform. Smart COIs replace static PDF certificates by pulling real-time policy data directly from insurance agents' management systems, automatically updating whenever coverage changes (cancellations, limit reductions, renewals, endorsements). The platform integrates via APIs (Insurance Tracking API for tech platforms, COI Issuance API for insurtechs) and serves 100,000+ companies and 25,000+ agencies across construction, manufacturing, transportation, and other industries. Notable enterprise customers include Amazon, Paramount, Truckstop, Yardi, Zurich North America, and PowerFlex.
Differentiator
Problem solved
Functional benefit
Brands
- Smart COI Network: The company's proprietary network connecting insurance agents and broker management systems to enable real-time certificate of insurance verification and continuous policy monitoring
- Smart COI
Products and services
- COI Tracking (for Companies/Requestors) Certificate of insurance tracking platform for companies and risk managers to monitor suppliers' insurance compliance in real-time. Validates COI data accuracy and timeliness, automates compliance review, and provides alerts when coverage changes.
- COI Issuance (for Agencies & Brokers) Platform for insurance agencies and brokers to issue Smart COIs and automate reissuance when policies update. Integrates with agency management systems for fully automated COI issuance, ensuring adequate coverage is maintained year-round while reducing E&O exposure.
- EndorsementIQ Module for monitoring and managing insurance policy endorsements in real-time. Tracks coverage changes such as policy limits and endorsements, automatically updating COIs when changes occur.
- Insurance Tracking API API for technology platforms to integrate real-time insurance tracking and compliance management capabilities. Allows clients to connect to the Smart COI Network for real-time compliance of suppliers, subcontractors, or vendors' insurance coverage.
- COI Issuance API API for insurtechs to add COI issuance capabilities to their platforms. Grants policyholders ability to issue their own Smart COIs with pre-approved information from their Agent.
- Smart COI Network Proprietary network of 25,000+ insurance agencies providing 90%+ of commercial business insurance in the US and Canada. Enables real-time policy monitoring, automatic COI updates when coverage changes, and direct data flow between agents, insureds, and requestors.
- Real-Time Compliance API API for managing all suppliers, subcontractors, vendors, and insurance requirements in a single location. Policy information automatically updates in real-time as changes to coverage are made.
Quantifiable outcome
- 90%+ compliance rate (vs 60-70% industry average for traditional COI tracking)
- +8 more outcomes
Companies that use Certificial
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles3 records
Certificial technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration31 records
AI capability2 records
Feature8 records
Certificial partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered flagship, core and minor.
- Zurich North AmericaflagshipCertificial selected by Zurich North America to automate COI issuance across its Direct Markets P&C operations. API-driven process removes need for teams to log into separate systems. Smart COI technology ensures certificates always reflect current policy data. Preliminary results show complex renewal packages processing over 50% faster.
- ACORDflagshipPartnership to advance digital Smart COIs as the future of insurance verification. Certificial's technology connects source policy data directly with ACORD's standardized data format. Companies will track live policy data in real time in industry-standard format. Certificial also joined ACORD Solutions Group's Licensed Integrator Partner program.
- Applied SystemsflagshipExclusive integration connecting Applied Epic users to Certificial's vendor compliance network. Enables agencies to confirm coverages and issue certificates directly within Epic, eliminating manual back-and-forth. Users can manage vendor management system COI requests seamlessly.
- Achilles Global Risk Management (formerly GRMS)corePartnership to provide digital insurance verification to Achilles customers. Certificial's Smart COI Network integrates with Achilles' supplier risk assessment programs, enabling real-time insurance compliance monitoring for their clients.
- Apex AnalytixcoreVendor Management Partner in Certificial's program bringing compliance, procurement, and risk management platforms together for real-time insurance verification.
- Aravo SolutionscoreVendor Management Partner providing real-time insurance verification through Smart COI Network integration.
- Truckstop / RMIScorePartnership integrating Smart COI Network for freight risk management. Brings complete, timely, and accurate broker-issued insurance compliance data into workflow and technology to manage risk, fraud, and compliance. Enables timeliness and accuracy of Scheduled Auto policy changes.
- DAT Freight & AnalyticscoreVendor Management Partner integrating Smart COI Network for real-time insurance verification in freight and logistics.
- CertacoreVendor Management Partner providing real-time insurance verification through Smart COI Network integration.
- FyxtcoreVendor Management Partner providing real-time insurance verification through Smart COI Network integration.
- Graphite ConnectcoreVendor Management Partner providing real-time insurance verification through Smart COI Network integration.
- Mesh VerifycoreVendor Management Partner providing real-time insurance verification through Smart COI Network integration.
- TrustdcoreVendor Management Partner providing real-time insurance verification through Smart COI Network integration.
- VenLinkcoreVendor Management Partner providing real-time insurance verification through Smart COI Network integration.
- EXLminorPartnership with EXL to enhance automation for stakeholders, accompanying the Series A funding round in 2021.
- FerrocoreInsurTech partner offering Commercial Client Portal integrated with Certificial's COI Issuance API.
- GloveBoxcoreInsurTech partner offering Client Portal integrated with Certificial's COI capabilities.
- NovideacoreAgency Management System partner integrating with Certificial for digital insurance verification.
- VertaforecoreAgency management system partner (AMS360, QQ Catalyst, Sagitta) integrating with Certificial for automated COI issuance.
- VerunacoreInsurTech partner integrating with Certificial for COI issuance capabilities.
Scale indicators9 records
Recent moves7 records
Expansion highlights6 records
Certificial competitors and assessment
Company assessmentDirect peers
- Certa: Vendor management and supplier compliance platform with built-in insurance verification capabilities. Directly comparable to Certificial on the requestor/TPRM side, and listed as both a partner and adjacent vendor in the COI space.
- Aravo Solutions: Third-party risk management platform with supplier insurance tracking as a core module. Competes with Certificial's requestor-side functionality and is a Vendor Management Partner Program member.
- Apex Analytix: Third-party risk management and supplier compliance provider serving large enterprises. Overlaps with Certificial on vendor insurance verification for procurement and risk teams.
- Achilles Information (formerly GRMS): Supplier risk management and qualification platform with insurance verification capabilities. Listed as a Vendor Management Partner, with overlapping customer base in construction, energy, and infrastructure.
- Graphite Connect: Supplier management and risk platform offering COI management features. Competes on the requestor side for vendor compliance workflows and is a member of Certificial's Vendor Management Partner Program.
- Avetta: Supply chain risk management platform with contractor insurance verification as a flagship feature. Directly comparable in prequalification and COI workflows across construction and industrial verticals.
- Venminder: Third-party risk management platform that includes vendor insurance certificate tracking and monitoring as a core capability. Closely comparable in serving banks, insurance carriers, and healthcare organizations.
Broad incumbents
- SAP Ariba: Procurement and supplier management suite that includes supplier registration and document/insurance compliance features. A broad incumbent that could choose to deepen insurance verification as part of its platform play.
- Coupa: Spend management and supplier risk platform that handles supplier onboarding and compliance documentation including insurance. Competes in the same buyer workflow, though insurance is one of many categories.
- Ebix (EbixExchange / Certificate of Insurance Exchange): Large insurance technology vendor offering certificate of insurance exchange and tracking solutions as part of a broader insurance software portfolio. Cited in CB Insights comparisons as a leader in the same COI tracking category.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Certificial social profiles
Digital presenceCertificial compliance and trust
Trust signalCompliance1 record
Certificial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Certificial leadership team
Management profileNumber of profiles
Profiles2 records
Certificial funding detail
Funding detailFunding overview
Funding rounds2 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Certificial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Certificial
What does Certificial do?
Certificial operates the Smart COI Network, a real-time certificate of insurance (COI) platform that replaces static PDF certificates with continuously updated digital certificates. The platform serves three audiences: companies/requestors track and monitor supplier COIs in real-time; insurance agencies and brokers issue and automate reissuance of Smart COIs through their existing agency management systems; and technology platforms integrate COI capabilities via APIs. Coverage changes such as cancellations, limit reductions, and schedule modifications are reflected within seconds by syncing directly to source policy data from licensed agents and brokers.
Is Certificial a public or private company?
Certificial is a private company. It is classified as venture growth investor backed and is currently operating.
When was Certificial founded?
Certificial was founded in 2019. It employs 11 to 50 people.
Where is Certificial based?
Certificial is headquartered in Holly Springs, United States, in the North America region.
How does Certificial make money?
Three revenue lines are on record. COI Tracking Platform Subscription is the primary driver. The others are COI Issuance Platform for Agents/Brokers and API Access for Technology Partners.
Who are Certificial's main competitors?
Direct peers on record are Certa, Aravo Solutions, Apex Analytix, Achilles Information (formerly GRMS), Graphite Connect, Avetta and Venminder. Broad incumbents are SAP Ariba, Coupa and Ebix (EbixExchange / Certificate of Insurance Exchange).
Does Certificial have an API?
Yes. Certificial offers two public APIs: Insurance Tracking API for tech platforms and COI Issuance API for insurtechs. The APIs allow technology providers to integrate certificate of insurance issuance or compliance management capabilities. For InsurTechs, every function on the Certificial platform is available through a set of APIs, from COI issuance to self-service capabilities. The Real-Time Compliance API manages all suppliers, subcontractors, vendors, and insurance requirements in a single location, with policy data updating every 15 minutes. For agents and brokers, AMS integrations are available for direct policy data synchronization. Developer documentation is at www.certificial.com/insurance-tracking-api.
What industry is Certificial in?
Certificial's product category is Insurance Verification Software. Its primary akta.pro industry code is FSAFAJAF, Regulatory Reporting Hubs & Aggregators (Multi-Regime/Multi-Asset). Its NAICS code is 541211.