Insurance verification · Managed service

Proof of insurance, confirmed at the source.

When your contract depends on someone else's coverage, a certificate is not enough. TradeGuard contacts the issuing agent or carrier, confirms the policy is active and meets your requirements, fixes what doesn't, and keeps checking until the contract ends.

Talk to us about your volume See how a verification runs

API and webhooks, or our app · No logins for the people you verify · Licensed insurance agency

The gap

A certificate is a snapshot. Risk transfer takes an active policy.

01

It shows one day.

A certificate records what was true when it was issued. The policy can be canceled the following week and the certificate still looks valid.

02

It gives you no rights.

The standard certificate form says it is issued for information only and confers no rights on the holder. Nobody is obliged to tell you when the policy ends.

03

Reading it does not scale.

Limits, named insureds, dates and endorsements, checked by hand, hundreds of times, by people who have other jobs.

What you get back

One answer per party, from the people who issued the policy.

Every answer records who confirmed it, when, against which requirement, and the documents behind it.

  • Cleared

    The policy is confirmed active with the issuing agent or carrier and meets every requirement you set.

  • On watch

    Fine to proceed, with one thing to track: a policy that expires mid-contract, or an item you have chosen to waive.

  • Blocked

    Something required is missing, expired, canceled or below your limits. The record says exactly what, and we are already working on it.

What we do

One input. Then it's done.

Send us who needs to be verified. We collect the insurance, confirm it with the agent or carrier, fix what is wrong, track renewals and keep the file ready for an audit, in your system or ours.

  1. 01

    Configure

    We set up your insurance requirements once, exactly as your contracts state them: limits by contract or asset type, required endorsements, and the exceptions and special cases you allow.

  2. 02

    Collect

    Send us a name and a contact. We ask the party for their certificate or declarations page and follow up until we have it.

  3. 03

    Verify

    We read the document against your requirements, then contact the issuing agent or carrier to confirm the policy is in force.

  4. 04

    Resolve

    Wrong name, low limit, missing endorsement. We work it out with the third party and their agent until the paperwork is right. You only step in to approve an exception.

  5. 05

    Monitor

    We keep verifying after the first check. Coverage is re-confirmed with the agent or carrier throughout the policy period, on the schedule you choose, and renewals are collected before anything lapses.

  6. 06

    Share

    Export every certificate and its verification history in one click. Insurance audits, lender reporting and questions from anyone you answer to are handled from one record.

Deployment

Run it inside your system, or use ours.

Headless

Send us a party and a requirement through the API. We send the result back by webhook. Your customers and your team never leave your product.

  • REST API and webhooks
  • An intake form you can embed
  • Status written back to the record you already use
{
  "event": "verification.completed",
  "party": "Northline Logistics LLC",
  "status": "cleared",
  "policy_status": "in_force",
  "confirmed_with": "issuing_agency",
  "confirmed_at": "2026-11-09T10:42:00-06:00"
}
Example result, sent to your webhook · Illustration

Standalone

Use the TradeGuard app as it is. Your team sees every party, status and document in one place.

  • Dashboard with status and full history
  • A daily list of what is not yet cleared
  • One-click export for auditors, lenders and insurers

The same service sits behind both. You can start in the app and connect your system later.

Where it fits

Any contract that depends on someone else's insurance.

  • 01Contractor networks and marketplaces
  • 02Fleet rental and leasing operators
  • 03Equipment rental companies
  • 04Workforce and staffing platforms

If you require proof of insurance before something of value changes hands, it is the same job.

Managing subcontractors on construction projects? See TradeGuard Compliance.

FAQ

Questions.

We read the document you were given, then contact the agent or carrier named on it by phone and email and confirm the policy number, status, dates and limits. The result records who confirmed it and when.

No. They send the certificate or declarations page they already have. We take it from there.

Your insurance requirements, a list or feed of the parties to verify, and a signed authorization that lets us contact agents and carriers on your behalf.

Through a REST API and webhooks, an intake form you can embed, or our app on its own. We work with your developers or your software vendor on the connection.

You choose: once per transaction, monthly, quarterly, or at renewal. Long contracts are re-confirmed during the term, not only at the start.

We tell them and their agent exactly what is missing and follow up until it is fixed. You can approve exceptions, and an approved exception carries forward so it is not flagged again.

Yes. Commercial policies are verified from certificates of insurance. Personal policies are verified from declarations pages, because ID cards do not show limits.

Only when they need it and ask for it. Because we are a licensed agency, we can quote coverage for someone with a gap. It is never a condition of being verified.

Pricing depends on how many parties you verify and how often. We scope it on a call.

Stop trusting the PDF.

Send us a sample of the certificates you have on file. We will show you which policies are in force and which are not.

Talk to us about your volume