Terms

Effective November 12, 2026

What COIGap is

COIGap, by Ettix, compares the fields of a certificate of insurance that you verify or enter (read from a PDF's text in your browser, or typed by you) with the contract insurance requirements you enter, and lists discrepancies, missing or unclear items and a correction list per certificate. It is not an insurer, broker or agent, does not contact insurers, does not read or interpret policies or endorsement wording, and does not give insurance or legal advice. A marked additional insured or waiver of subrogation box is never treated as an endorsement; endorsements you confirm remain subject to your broker's review. COIGap is not affiliated with or endorsed by ACORD or any insurer.

Free and paid use

• Free: the first certificate in a project, with its full detail, correction list and CSV, plus project-wide counts.
• Full project report: $49.00 USD, one time, for one project: every certificate's detail and correction list, the full CSV and a printable correction report per subcontractor, including certificates you add to the same project later. No subscription. The purchase is bound to the project ID and its case ID through a SHA-256 fingerprint; it is not transferable to another project.
• Payments are taken by Square or PayPal. The unlock is issued only after the provider confirms the payment. If something went wrong with a purchase, contact us.

Acceptable use

• Use certificates and contracts you are authorized to review, for your own company or a client who has authorized you.
• Do not attempt to get around the free limit or the payment verification, or interfere with the service.

Results

Results describe the fields as verified or entered at the time of the check, compared with the requirements as entered. They are not a coverage determination, not a statement of compliance and not an approval of any subcontractor or policy. Unverified values are reported as unclear and never as a match. A certificate with no reported discrepancy may still not meet your contract (for example because of policy terms, exclusions or endorsement wording that COIGap does not review). Results are provided as is, without warranty. To the extent permitted by law, our liability is limited to the amount you paid for the affected project.

Your data

Certificates are read in your browser and are never uploaded. See the privacy notice for exactly what is stored and what reaches our server.

Changes

We may update these terms; the effective date above changes when we do. Purchases already made keep the scope described when you paid.