Close your coverage gaps
Track your own policies and every vendor's Certificate of Insurance, with reminders before coverage lapses so you're never exposed to uninsured liability.
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The coverage gap nobody notices until it matters
Insurance lapses are uniquely dangerous because nothing observable changes when they happen. A contractor whose general liability policy expired last week arrives on site, does the work, and leaves. Every visible signal says the arrangement is normal. The only thing that has changed is that the risk you believed was transferred is now sitting with you.
For organisations that rely on third parties, this is a structural exposure rather than an occasional oversight. Certificates of Insurance are collected at onboarding, filed, and rarely revisited. Policies renew annually on cycles that have nothing to do with your own calendar. Vendors change carriers, adjust limits, or let coverage lapse entirely, and unless someone is actively checking, the certificate in your file describes a policy that no longer exists.
The moment this becomes visible is almost always the worst one: after an incident, when the claim is filed and the coverage is examined. At that point the question is not whether you had a certificate, but whether the coverage was in force on the day.
Sound familiar?
- A vendor's COI lapses and an incident happens while uninsured
- Chasing vendors for renewed certificates wastes hours
- No single view of who is currently covered
- Proof of coverage is scattered across inboxes at audit time
How ExpiryLedger closes coverage gaps
Chase the vendor automatically
Add the vendor's email to the record and reminders go to them directly, so requesting a renewed certificate stops being a manual monthly task.
The certificate stored with the date
Attach each COI to its record so the document you hold always corresponds to the expiry date you are tracking.
Coverage status at a glance
A colour-coded dashboard showing who is covered, who is expiring, and who has lapsed across every vendor.
Escalation on lapsed coverage
Notify a manager automatically when coverage passes its date, so an uninsured vendor is not quietly still working.
Custom fields for policy detail
Record carrier, policy number, coverage limits, and certificate holder as structured fields on each record.
Evidence for lenders and auditors
Export a dated report of coverage status across all vendors in one click, in PDF or CSV.
Every policy and certificate
- Certificates of Insurance
- Vendor and subcontractor COIs, tracked per policy with the certificate document attached.
- General liability
- Primary coverage that must remain continuously in force for anyone performing work for or with you.
- Workers' compensation
- Frequently the coverage that matters most after an injury, and often the first to lapse unnoticed.
- Commercial auto and fleet
- Vehicle coverage for vendors and for your own fleet, renewing on its own annual cycle.
- Professional indemnity and E&O
- Coverage for professional services, required by many client contracts as a condition of engagement.
- Umbrella and excess policies
- Additional layers that carry their own expiry dates independent of the underlying policies.
Who tracks insurance in ExpiryLedger
Property managers
Hold every vendor to current coverage before they perform work on the properties you manage.
General contractors
Verify subcontractor insurance is in force for the duration of every project, not just at onboarding.
Procurement and vendor management
Maintain a live view of supplier compliance across the vendor base rather than a static onboarding file.
Risk and finance teams
Produce evidence of coverage for insurers, lenders, and auditors without assembling it manually.
Track every policy and certificate
Frequently asked questions
Can ExpiryLedger request renewed certificates from vendors automatically?
ExpiryLedger sends reminder emails to the vendor address you add to each record, ahead of expiry and after it passes. It does not currently provide a vendor portal for uploading certificates themselves — you receive the renewed certificate as you do today and attach it to the record.
How should I track a vendor with several policies?
Track each policy as its own item — general liability, workers' compensation, and auto separately — because they renew on different dates. Use a consistent naming convention or the assignee field so all of a vendor's policies can be found together by search.
Can I store the certificate documents?
Yes. Attach each COI to its record. Documents are stored privately and served through short-lived signed links, so certificates are never publicly accessible, and access is limited to members of your organisation.
What reporting can I give a lender or insurer?
Export a dated PDF or CSV listing every tracked policy with its current status — active, expiring soon, or lapsed — sorted with the most urgent first. This is typically the evidence requested during financing or insurance reviews.
How do I catch coverage that lapses mid-project?
Because reminders continue on a weekly cadence after the expiry date rather than stopping, lapsed coverage stays visible. You can also nominate a manager to be notified automatically once an item has been overdue beyond a threshold you set.
Can I import our existing vendor insurance spreadsheet?
Yes. Import a CSV and common column headings such as name, category, expiry date, and owner are matched automatically, so most existing vendor tracking spreadsheets import without reformatting.
Stop tracking renewals in a spreadsheet.
See every upcoming expiry in one dashboard. Free for 14 days — no credit card.
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