Certificates of Insurance at Scale: Stop Losing Hours to COIs

COIs shouldn't be this hard — and they don't have to be

Every agency knows the drill: a client needs a certificate of insurance (COI), you pull it from the carrier portal, add a note or two, and email it off. That’s a few minutes per COI — but multiply that by dozens or hundreds per week, and you’re spending hours doing something that should take seconds. Worse, it’s error-prone, reactive, and eats into time you could be using to grow your book.

With the right tools, you can automate the generation and management of COIs at scale, reclaiming time and reducing the risk of missing or outdated certificates. Cennairus covers part of this: on an in-force policy, the agency generates a certificate of insurance in the Portal, one for each certificate holder, with the policy details taken from the policy record.

The hidden cost of manual COI management

COIs are a necessary part of doing business for most insureds — and for agencies, they’re a constant source of overhead. Whether you’re responding to a contractor’s customer, a client’s lender, or a government agency, the process is the same: retrieve the COI from the carrier system, verify the details, add a note if required, and send it off. That’s not just time-consuming — it’s also repetitive. What’s worse, if you miss a detail or send the wrong COI, it could cost the client their contract or a compliance violation.

Agencies with high volumes of COIs often resort to saving templates or using PDF generators — but those solutions don’t scale. They also don’t address the core issue: you’re still managing each COI individually, manually, and with no visibility into the full lifecycle of the certificate.

Automation is the solution — but it needs to work with your workflow

Most agencies aren’t looking to overhaul their workflow — they just want to reduce the busy work. That’s where automation for COIs comes in. The right insurtech solution doesn’t replace your processes — it enhances them. You can still control which details are included, who receives the COI, and when it’s generated. The difference is that instead of manually retrieving and retyping each one, you generate it from the policy record.

Automation also ensures consistency. You’ll eliminate the risk of typos, outdated coverage dates, or missing notes. Every COI is generated from the same source of truth — the policy details in your system — ensuring that what you send matches exactly what’s on the policy.

How Cennairus handles COIs at scale

Cennairus is built for agencies that want to reduce administrative overhead and scale efficiently. One of the ways we do that is by streamlining certificate of insurance management. Instead of manually retrieving COIs from carrier portals, you can generate them directly from your policies in the Cennairus platform.

The certificate is built from the policy record, so the policy details are not re-entered; the agency adds each certificate holder's name and address.

Join Cennairus to start managing COIs at scale — and reclaim the hours you’re currently spending on busy work.

What you don't need to worry about

Automation doesn’t mean you lose control. Before Cennairus generates a certificate, the Portal asks for each holder's details and whether any owner or officer is excluded, and an answer that was missing is saved to the policy so the next certificate already has it.

What’s more, you don’t need to worry about maintaining a separate system or learning a new platform. Cennairus is built to integrate seamlessly into your workflow, not disrupt it. You can manage COIs alongside your other policy and client data in the same interface — no switching between systems or losing track of where things are.

The bigger picture: time, accuracy, and client satisfaction

At the end of the day, COIs are about more than just compliance — they’re about trust. When a client needs a COI, they expect it to be accurate, timely, and professional. Manual processes make it harder to meet those expectations, especially when volume is high.

And with the time you save, you can focus on what matters: growing your book, building relationships, and providing the kind of service that keeps clients coming back. That’s the power of automation at scale — not just efficiency, but better outcomes for your agency and your clients.