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Certificates that update themselves

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A live certificate of insurance is a private web page for each holder — your landlord, a general contractor, a client — showing the coverage CoverMatch services for you, checked against the agency's records at the moment it is opened. When a policy renews, cancels or changes, the page updates and the holder is notified. A PDF is one tap away for anyone who still needs a file.

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Reviewed by Michael LaBarbera, Licensed property & casualty agent, Provident Financial Group · Reviewed Oct 12, 2026 Updated
Coverage scoreEvery policy in one wallet
General LiabilityRenews in 47d
Workers' CompensationLive cert ✓
Business Owner's PolicyCan switch
CoverMatch Your landlord opened the live certificate 12 minutes ago. Everything shows active.
FREE WITH EVERY POLICY YOU MOVE HERE

Everything that switches on the day a policy moves here. All of it free.

Same carrier, same policy, same price. What changes is everything around it.

What you get What it does The old way COST
Live certificates Share proof of insurance by link, QR code, email or text. The holder's page shows today's coverage, updates itself when a policy changes, and tells them. Apple Wallet and Google Wallet passes included. Call the agent, wait a day or two, send a PDF that is stale the moment anything changes. Free
Renewal autopilot About sixty days before each renewal we prefill a quote request from your wallet, ask whether anything changed in one tap, and line the new quotes up beside the renewal. Nothing switches without your signature. Auto-renew blind, or start again from a blank application. Free
Changes handled from the app Add a vehicle, driver, location or additional insured, ask for an endorsement or a cancellation. We send it to the carrier, chase it, and update the wallet and your certificates when it comes back. A phone call, a form, and a follow-up call to ask what happened. Free
Billing and cancellation alerts Due dates, Pay now links and reminders before each installment. A past-due or intent-to-cancel notice from the carrier reaches you the same day, with what to do about it. A notice in the mail you find after the policy has lapsed. Free
Document vault Every declarations page, endorsement, binder, audit and certificate in one searchable place. Forward a document to your private address and it files itself. Email search and a drawer. Free
Ask anything, any hour Plain-English answers from your own policies, day or night, with a licensed agent one tap away whenever you want a person. Voicemail, and a call back during business hours. Free
Policy explainer Each policy read into plain English: what it covers, the limits, what it excludes, and which blanket endorsements you already have for certificates. A sixty-page PDF and a guess. Free
Coverage score and gap alerts A score from 0 to 100 with the fixes that matter most, and an alert when a lease, a contract or a renewal leaves a gap. Find out from a claim or a landlord. Free
Lease and contract checker Upload any lease, contract or vendor agreement. Every insurance requirement is pulled out with its clause and compared with what you carry. Guess, or pay someone to read it. Free
Business roster Locations, vehicles, drivers, equipment, payroll and revenue in one place, filled from your policies, with one tap to change any of them. Spreadsheets and the agent's memory. Free
Subcontractor certificate tracker Set what your subs must carry, invite them by link, and let the wallet check every certificate, chase the gaps and export the file for your own audit. A folder of expired certificates found at audit time. Free
Team access Roles for your office manager, bookkeeper and front desk, authorized signers for anything that needs a signature, and a log of who did what. One shared login, or everything through you. Free
Payroll connection Link your payroll system so payroll and headcount stay current and audits hold fewer surprises. Workers' comp can be billed pay-as-you-go through most payroll companies where the carrier offers it. Estimate in January, settle up at audit. Free
Premium audit helper Reminders before the audit, a checklist of the records to gather, a running comparison of actual payroll to the estimate, and the audit statement explained. A surprise bill and a scramble for records. Free
Claims, routed in one tap The carrier's claim line and online claim link for any policy, instantly, with the request logged so nothing is lost. Dig out the policy to find the number. Free
One wallet, every business, web and phone Every business you own in one account, the same wallet on the website and in the app, in English or Spanish, with push, email or text when something needs you. A different agent, portal and password for each. Free

You never pay CoverMatch a fee. When a policy moves here, the carrier pays us the servicing commission it already pays today, from the same premium. The policy itself does not change.

Add your policiesHow switching works →
  1. 01Add a holderName and address, an email if you want them notified, and the endorsements their contract asks for: additional insured, waiver of subrogation, primary and non-contributory.
  2. 02It issues on the spotStandard holders get their link immediately. Endorsement requests are approved instantly when your policy forms already carry a blanket endorsement; otherwise the carrier is asked and the page shows the status.
  3. 03Share it onceCopy the link, email it, show the QR code, or download the PDF. The holder can bookmark the page and press Verify any time.

The problem with the PDF

A certificate of insurance is a snapshot. The moment a policy renews, cancels or changes, every PDF you ever sent is wrong, and the holder has no way to know. So they ask again, every year, often in the week you are busiest, and the agent takes a day or two to produce the same document with new dates.

What a live certificate shows

  • The insured's name and address, and the agency of record.
  • Each coverage line serviced by CoverMatch: carrier, policy number, term, key limits, and a status of Active, Cancels on a date, Cancelled or Expired.
  • The holder's own status: certificate holder, additional insured, waiver of subrogation, primary and non-contributory, and whether each is in place or waiting on the carrier.
  • A "checked at" timestamp, a Verify button that re-checks on demand, and a QR code so a printed copy can be scanned back to the live page.
  • The standard disclaimer that a certificate confers no rights and does not amend coverage, plus a PDF download.

What happens when coverage changes

Holders who have asked to be notified get an email when a line is scheduled to cancel, cancels, is reinstated, renews or expires. The notice says what changed and links back to the page. You see every notice in your wallet, and you can turn notifications off per holder.

Endorsements without the wait

Many contracts ask for more than a certificate: additional insured status, a waiver of subrogation, primary and non-contributory wording. Whether those can be granted instantly depends on the policy forms. If your policy carries a blanket endorsement for what the holder asks, the request is approved automatically and the page shows it. If not, CoverMatch asks the carrier for a scheduled endorsement and shows the status as pending until it arrives.

Who sees what

Only people with the link see the page, and the link is a long random token, not a guessable number. Holders cannot see other holders, your other policies, your premium, or anything beyond the certificate itself.

Questions people actually ask

Will my landlord accept a link instead of a PDF?

The page includes a PDF download, so anyone who needs a file has one. Most holders prefer the page once they see it: it answers 'is this still valid?' without a phone call.

Which policies can go on a live certificate?

Policies serviced by CoverMatch, because those are the ones whose status we can vouch for in real time. A policy still moving to CoverMatch shows as a transfer in progress; its certificates unlock the moment the carrier confirms.

What is the difference between a certificate holder and an additional insured?

A certificate holder receives the certificate. An additional insured is covered under your policy for claims arising from your work for them. The second requires an endorsement on the policy, and the live page shows whether it is in place.

Can I take a link back?

Yes. Revoke a holder and their page stops opening immediately. You can also see when each holder last viewed their page.

Does the holder page reveal my premium?

No. It shows carriers, policy numbers, terms, limits and status, the same facts a traditional certificate shows, and nothing about what you pay.

MANAGE IT IN THE APP

Every policy, renewal and live certificate in one wallet.

Scan a dec page and the card appears. Share a live certificate link that updates itself. Get matched when a renewal comes around.

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