Instant Certs

What Instant Certs does

iCerts (Instant Certs, LLC) operates a cloud-based SaaS platform that automates the delivery of Evidence of Insurance (EOI) certificates for condominium and HOA master policies. The platform serves three distinct user types: insurance agents who input and maintain association policy data through an agent dashboard, lenders and loan processors who order and pay per-certificate for new loans, refinancings, and property sales, and condo unit owners who retrieve free annual renewal certificates. Insurance agencies access the platform at no cost, while lenders and ordering parties pay per-certificate fees that vary by association and agency.

The platform's core technology converts entered policy data into static PDF certificates that cannot be modified after generation, preserving document integrity. Supporting features include 24/7 self-service ordering and retrieval, automated expiration notifications to agents, free annual renewals for unit owners, sample H06 proposals and flood declarations bundled with each order, list management tools for agency growth, and secure data transmission using TSL encryption with digital signatures. The company positions itself as the only dedicated customized condo certificate self-service portal in the market, emphasizing workflow automation for the narrow vertical of HOA and condo evidence of insurance.

iCerts generates revenue primarily through per-certificate transaction fees paid by lenders and ordering parties, supplemented by agent surcharges that are collected by the platform and distributed back to insurance agents (less a platform fee), and occasional $7-per-association data entry services. The company is privately held, bootstrapped with no external funding, headquartered in Southern California (San Clemente mailing address; Las Vegas mailing address also listed), and serves customers nationwide across the United States.

Name

Instant Certs

Legal name

iCerts, LLC

Website

https://icerts.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

iCerts (Instant Certs) operates a cloud-based SaaS platform that automates Evidence of Insurance certificate delivery for condo and HOA master policies. The freemium service for insurance agencies charges per-certificate fees to lenders and loan processors ordering certificates nationwide.

Ownership category

akta.pro rank

Product category

Insurance Certificate Management Software

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Software Publishers (513210)

SIC

Insurance Agents, Brokers & Service (6411), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

akta.pro secondary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

Keywords

• Condo certificate processing
• Evidence of insurance software
• HOA insurance certificates
• Master policy certificate automation
• Insurance agency SaaS

Headquarters

HQ city

Newport Beach

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Certificate Transaction Fees: iCerts charges per-certificate fees for each certificate ordered through the platform. Fees vary by association and are displayed before orders are processed. Fees are earned upon delivery of the PDF certificate or when an order is placed. This is the primary revenue stream from lenders and ordering parties.
2. Agent Surcharges: Insurance agents can set surcharges on certificates, which are collected by iCerts and distributed to agents on a quarterly or agreed-upon schedule. iCerts takes a certificate fee portion, and distributes the remainder of surcharges to agents.
3. Data Entry Services: Insurance agents may be charged $7 per association for data entry services if iCerts completes the initial association data entry. This recovers costs for setup and onboarding of new associations.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Instant Certs (iCerts) operates a cloud-based SaaS self-service portal that automates the delivery of Evidence of Insurance (EOI) certificates for condo and HOA master policies. Insurance agencies input association policy data once, and the platform serves certificates on-demand 24/7 to lenders, loan processors, and unit owners in tamper-resistant PDF format. The service is free for insurance agencies, with per-certificate fees paid by ordering lenders.

Product overview

Instant Certs operates iCerts.com as a single unified cloud-based SaaS platform—a dedicated self-service portal for condo and HOA master policy Evidence of Insurance (EOI) certificates. The platform serves three distinct user types: insurance agents enter and maintain policy data via an agent dashboard; lenders and loan processors order customized certificates for new loans, refinancing, and property sales; and unit owners retrieve annual renewal certificates. All certificates are automatically converted to PDF format, with policy data remaining static after entry to prevent unauthorized modifications. The platform also provides a generic certificate request service for association managers and insurance adjustors. Free annual renewal certificates are provided to unit owners; fees apply for new loan transactions, set by individual insurance agents.

Differentiator

Problem solved

Functional benefit

Products and services

• iCerts Self-Service EOI Certificate Portal Cloud-based SaaS platform providing 24/7 on-demand delivery of Evidence of Insurance (EOI) certificates for condo and HOA master policies. Converts policy data to tamper-resistant standard PDF certificates and automates fulfillment for insurance agencies, lenders, and unit owners.
• Insurance Agent Dashboard Agent portal within iCerts for entering and maintaining association policy data, setting per-association fees and surcharges, managing the list of associations, configuring custom certificate designs, and receiving quarterly certificate fee distributions.
• Lender/Loan Processor Order Portal Self-service portal for lenders, loan processors, brokers, title companies, escrow companies, real estate agents, and closing attorneys to register, search associations, order customized EOI certificates on-demand, and pay per certificate via credit card, check, or third-party payment portal.
• Unit Owner Annual Renewal Service Free annual renewal certificate service for individual condo unit owners who forward their lender's renewal request to iCerts customer support; certificates are issued at no charge when tied to the association policy's annual renewal and not a new loan transaction.
• Generic Certificate Service Add-on request service for association managers needing a copy for records and for insurance agents or adjustors requiring certificates for claims or coverage comparison; not available to unit owners.

Quantifiable outcome

• Reduced certificate turnaround times
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Applied Systems: Applied Systems provides agency management, client management, and digital insurance commerce platforms to insurance agencies globally. As a broad incumbent serving the same insurance agency customer base as iCerts, Applied could integrate certificate-of-insurance delivery into its existing agency platform.
• Buildium: Buildium is a property management platform designed for residential and association managers, including condo/HOA portfolios. It overlaps with iCerts in serving the condo/HOA community association segment and could expand into insurance certificate services.
• AppFolio: AppFolio is a property management software platform serving residential, commercial, and community association (HOA) managers. It is comparable to iCerts because it serves the same condo/HOA vertical and could integrate certificate-of-insurance delivery into its property management suite.
• Vertafore: Vertafore is a large insurance technology provider offering agency management, rating, and content solutions to insurance carriers and brokers. It represents a broad incumbent in the insurance tech space that could enter the condo EOI certificate niche that iCerts dominates.
• Procore: Procore is a leading construction management platform that includes insurance certificate management as part of its broader project management suite. It competes with iCerts in the certificate-of-insurance space but from a construction-centric, multi-feature platform perspective rather than a dedicated condo EOI portal.

Direct peers

• myCOI: myCOI is a SaaS platform that centralizes the tracking, management, and exchange of certificates of insurance for businesses and vendors. It is directly comparable to iCerts as both focus on automating certificate of insurance workflows, though myCOI serves broader commercial/vendor COI use cases while iCerts specializes in condo/HOA master policies.
• SmartCompliance: SmartCompliance provides insurance certificate tracking, compliance management, and vendor COI automation for property management and real estate firms. It is a direct peer to iCerts in automating condo/HOA and commercial certificate workflows with a self-service portal model.

Emerging players

• Condo Control Central: Condo Control Central is a condo/HOA management software platform offering communication, amenity booking, and document management for community associations. It is an emerging player in the same condo/HOA vertical that iCerts serves and could add certificate delivery features.
• COI Pro: COI Pro is a certificate of insurance management platform used by property managers, landlords, and vendors to track, request, and store COIs. It is a direct emerging competitor to iCerts in the certificate-of-insurance automation space, with overlapping features and a self-service portal model.
• Vantaca: Vantaca provides HOA and community association management software, including accounting and document management. It is comparable to iCerts as it serves the same community association customer base and is a likely candidate to add or partner on insurance certificate delivery.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/i_certs
• Facebookfacebook.com/InstantCerts
• LinkedInlinkedin.com/in/gregsinnigen

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Instant Certs