Certificial

Certificial is the leading real-time Certificate of Insurance (COI) tracking and insurance verification platform, founded in 2019 and headquartered in Raleigh, North Carolina. The company operates the Smart COI Network, which connects over 100,000 companies and 25,000 insurance agencies in a unified platform that replaces static PDF certificates with continuously updated, real-time insurance compliance data. Certificial's platform serves three key stakeholders: companies (requestors) who need to monitor supplier insurance compliance, insurance agencies and brokers who issue and manage certificates, and insureds who share their coverage with clients. When a policy changes — such as coverage limits, endorsements, or renewals — Certificial automatically updates all connected certificate holders in real time, eliminating manual follow-up, email chains, and the risk of lapsed coverage going undetected. The platform integrates with major agency management systems including Applied Epic, and is trusted by large corporations such as Amazon and leading insurance agencies such as AssuredPartners. Certificial was co-founded by the former CTO of ACORD and is backed by investors including Nationwide, IA Capital, Fin VC, Cameron Ventures, and Cofounders Capital.