Protect your underwriting profit from downstream risk.
CRIS-certified analysts review subcontractor policies and work with their agents to resolve coverage gaps, so more tenders hold.
Trusted by carriers and underwriters to achieve third-party risk transfer at scale.
Your insureds aren't managing
third-party risk. They're checking boxes.
Certificates of insurance confirm a policy exists. They don't show exclusions, endorsement terms, AI/PNC language, sub-limits, or conditions. When a claim is tendered and the sub's policy doesn't respond, your underwriting profit erodes.
A managed compliance operation, designed for better risk transfer.
Pre-claim infrastructure for construction underwriters.
Without the right infrastructure, subcontractor policy failures only surface after a claim is filed. Docutrax enables underwriters to verify downstream coverage and resolve gaps before losses hit their book.
Visibility into compliance, structured around how carriers use it.
Underwriters get a dedicated portfolio view: complete compliance reporting across the accounts you cover. Docutrax becomes your source of truth for third-party coverage across your book.
Compliance status across your book
See where insureds stand against the requirements you set
Specialized access role
Visibility down to each third party relationship
Documentation when
it counts
The record you need at audit, renewal, and claim time
The platform for managing your third-party insurance risk
The system of record for third-party compliance across your book, holding every certificate, endorsement, finding, and resolution for the full life of the exposure. It feeds the systems you already run.
A claim can land years after a job wraps or a vendor moves on. Be prepared with the proof of what was covered and who verified it. Your AMS won't have it. Their broker and agent won't keep it. We will.
The chase stops being your client's problem. And yours.
The Problem
When a third party's coverage falls short, someone gets the call. Your client's team, their procurement office, or you. 'Why isn't the additional insured on my vendor's COI?' 'Why did this certificate expire?' None of it is work your team signed up for.
How We Work It
Chasing it down is on us, not you and not your client. Plain English with the third party, the technical conversation with their broker and agent, and the follow-up never touches either of your teams.
Your client stops chasing
Third-party verification handled directly between us and their counterparties
Your insureds stop fielding the calls
"What's wrong with my COI" conversations no longer route through their team
Your client relationship strengthens
You brought a managed solution that worked, not a vendor that needed management
Underwriters that improved underwriting profit through proper risk transfer
Common questions about working with Docutrax.
How does this move our loss ratio?
By making downstream risk transfer verifiable across the book instead of assumed. Every carrier program we run is built on full policy review, because the industries where these partnerships live are the ones where the certificate doesn't tell you whether a tender holds. We verify third-party coverage under our evaluation methodology, reading each policy against the contract and the actual work being performed, and we remediate the gaps before a claim tests them. When an insured's sub is underinsured, or the policy carries exclusions that defeat the tender, it's caught and cured before the loss lands on your paper. Fewer failed tenders, fewer losses staying on your book.
What do we actually get out of this?
Verified risk transfer across your insureds' third-party relationships, and everything that flows from it. Full policy review surfaces the exclusions, conditions, restrictions, class code issues, and definitional gaps that determine whether a tender holds, and remediation closes them while the fix is still cheap. Every determination is documented, so when a claim arrives, the compliance trail is already on file: who reviewed what, what was found, what was cured and when. On your book, that's the difference between assuming risk transfer is in place and having it verified, documented, and defensible.
How does reporting work? Will our people actually know what's going on?
That's what the platform was built to deliver. Your team gets live visibility across every enrolled account, with reporting designed around insight rather than data dumps: what changed, where the gaps are, what's in remediation, and what needs your attention first. The point is that your people always know where the book stands and can work through us to act on it, so protection is something you can see, not something you're taking on faith.
Who's doing the review, and what stands behind a determination?
Licensed insurance professionals, always US-based, with CRIS-certified Construction Risk Insurance Specialists on construction risk. Every determination is documented: who reviewed, what was found, what was remediated and when, evidentiary trail included. Over 300,000 reviews across 10+ years.
What's the lift on our insureds?
Minimal by design. We run the full operation, collection through remediation, so the insured's team isn't staffing a program, and their third parties deal with insurance professionals rather than another portal.
How is the program funded, and what does it cost?
Funding follows the structure of the partnership: insured-funded, underwriter-funded, or third-party-funded. Cost scales with the accounts enrolled, structured as program economics rather than per-seat software pricing. No surprise fees. Talk to our team and we'll shape it around your book and your goals for it.
Can we start with a segment of the book?
Yes, and that's the typical path. An initial engagement across a defined set of accounts demonstrates the gap rates, the remediation flow, and the data before any broader commitment. The evaluation itself produces usable underwriting intelligence either way.
Verify the coverage your underwriting profit depends on.
Start with a conversation. We'll walk through your book, the kinds of exposures your underwriting team is concerned about, and how Docutrax has worked alongside other carriers and MGAs in similar positions.