Vendor Management
6 min read
A COI confirms that a policy existed at the time the certificate was issued. It does not confirm the policy is still in force, that the HOA is covered, or …
By BuildRated Team · Mar 09, 2026
Vendor Management
6 min read
A contractor who says they are licensed, bonded, and insured may be telling the truth about all three, some of them, or none. Each one is a separate credential with …
By BuildRated Team · Feb 26, 2026
Vendor Management
4 min read
Coverage types, certificate verification, additional insured endorsements, and the distinction between a COI on file and coverage actually in force. What each field means and where vendor files typically break …
By BuildRated Team · Jan 22, 2026