CERTIFICIAL

The Smart COI Platform that transforms how agencies, businesses, and insureds manage certificates of insurance and compliance.

Compliance & Regulatory Growth Series B

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Overview

Certificial is an all-in-one Smart COI (Certificate of Insurance) platform that modernizes how insurance agencies, businesses, and insureds issue and manage proof of insurance. The company's patented Smart COI Network maintains live connections between policy data and issued certificates, automatically pushing updated certificates to all relevant parties whenever policy details change. This eliminates the manual back-and-forth that has historically plagued COI management across the industry.

Founded in 2017 and co-founded by the former Chief Technology Officer of ACORD -- the insurance industry standards body -- Certificial addresses a significant operational pain point: over 400 million COIs are issued annually in the U.S., and many agencies process these requests through labor-intensive manual workflows. With Series B backing from Nyca Partners and participation from Nationwide Ventures, the company has grown to serve over 100,000 businesses and 25,000 insurance agencies.

Notable customers include Amazon, Paramount, Truckstop, and Yardi. The platform serves as a two-sided network connecting requestors (businesses that need to verify supplier insurance) with agencies and insureds that issue certificates, providing real-time compliance visibility across complex supply chains.

Products & Services

Smart COI Network

The core patented platform for real-time COI issuance and tracking. Automatically refreshes certificates when policy details change and notifies all recipients of coverage updates in real time, eliminating manual reissuance workflows.

Key Features

Patented real-time certificate push when policy data changes
Dynamic ACORD certificate generation and distribution
Automated compliance alerts when coverage lapses or changes
Integrations with major agency management systems including Applied Systems

Target Users: Insurance agencies, insureds

COI Tracking (for Requestors)

Supplier compliance monitoring for businesses that require proof of insurance from vendors, contractors, and partners. Provides real-time insurance verification across the supply chain.

Key Features

Real-time insurance verification dashboard
Automated compliance alerts for coverage changes or expirations
Vendor management partner program

Target Users: Businesses, enterprise procurement and risk teams

Insurance Tracking API and COI Issuance API

API products enabling technology platforms to embed COI tracking and issuance capabilities into their own workflows.

Key Features

Insurance Tracking API for compliance verification
COI Issuance API for automated certificate generation
Enterprise-grade integrations

Target Users: Technology platforms, enterprise customers

At a Glance

Founded: 2017
Headquarters: Raleigh, North Carolina, USA
Employees: 51-200
Funding: Series B

Category & Focus

Category: Compliance & Regulatory
Subcategories: Certificate of insurance management compliance automation insurance verification
Insurance Verticals: P&C Commercial Specialty/E&S
Target Customers: Agents/Agencies, Brokers, Carriers, Employers