Strengthen Subcontractor Relationships Through AI-Powered COI Management

Artificial Intelligence can aid in many construction activities, including insurance. AI-generated Image courtesy of Autodesk

Kristen Nunery

Every construction project is a team effort, with multiple subcontractors bringing their expertise to the table. Each subcontractor comes with unique insurance requirements that need tracking and verifying, often creating an administrative challenge for contractors. Whether you’re managing certificates of insurance through spreadsheets, existing software solutions, or a mix of both, there’s a smarter way to handle this process — one that strengthens subcontractor relationships while simplifying insurance management.

Imagine if managing COIs could be more than just a checkbox exercise. The construction industry has already embraced AI to revolutionize project management, procurement, communication, and risk management. Now, AI is bringing that same power to certificate management, transforming compliance workflows and enhancing collaboration.

AI-powered certificate of insurance management goes beyond compliance. It supports safety, strengthens finances, mitigates risks, and keeps schedules on track. When contractors and subcontractors align on compliance readiness and requirements, it reduces friction and builds trust across every department. 

Forward-thinking construction teams are discovering the potential of this technology. They’re using it to create seamless workflows and build partnerships with subcontractors that fuel project success. By helping teams meet each other halfway with clarity, knowledge and precision, AI is changing the game for collaboration. 

The Impact of AI Innovation in Construction

Construction projects are complex ecosystems, requiring careful alignment across documents, teams, and goals. Managing insurance verifications within this landscape can feel like chasing a moving target. That’s where AI becomes not just a tool but a problem-solver, delivering accuracy and simplicity at scale. 

When Kiewit Corporation introduced its Predictive Estimating Tool, it revealed a powerful truth about AI: technology can be a genuine problem-solving partner. Their AI solution outperformed traditional methods 64% of the time, demonstrating how intelligent systems can dramatically reduce work hours, optimize staffing, and streamline complex processes. Now, envision bringing that same level of impact to insurance verification and compliance.  

The numbers back AI’s rise in construction, expanding from $1.76 billion in 2024 to a projected $2.29 billion in 2025. General AI tools can read documents, but specialized AI solutions go deeper. They understand the industry’s unique needs — like insurance endorsements and policy limits — to deliver faster, more accurate insights. 

Success with AI doesn’t just revolve around adopting the technology. It’s about using solutions that understand construction-specific nuances. Generic platforms might miss key coverage details or make incorrect assumptions about coverage requirements, but specialized AI can strengthen compliance while improving collaboration and communication. This makes all the difference in creating lasting, trusted subcontractor relationships.

The question isn’t whether to adopt AI for certificate management; it’s how to choose the right solution that empowers you to build better communication and transparency. 

Collaboration Made Smarter

Construction projects thrive on teamwork. With dozens of subcontractors juggling their own systems to handle documentation, finding common ground can sometimes feel impossible. The solution? Leverage AI that works specifically within construction’s interconnected workflows.

McCarthy Holdings demonstrates this well with its targeted approach to AI, focusing on specific preconstruction and scheduling tasks rather than trying one-size-fits-all approaches. This same precision applies to managing third-party insurance risk more effectively.

Taking a closer look at how insurance verification happens today, most tools can flag when something doesn’t meet compliance, but they still leave humans to handle time-consuming reviews and recommendations. AI changes that by embedding deep industry knowledge, reducing back-and-forth emails, and enabling faster, smarter decision-making. 

AI designed for COI management can instantly pinpoint missing insurance elements and make compliance suggestions. It can simplify complex coverage requirements across multiple locations or subcontractors, letting you focus less on the fine print and more on building successful partnerships.   

What makes this approach effective is implementing AI solutions specifically tailored to construction’s unique challenges  — from differentiating specific coverage types to policy exclusions to project-specific requirements. When done right, compliance stays sharp, subcontractors feel supported, and relationships grow stronger.

Why Intelligent COI Management Matters

Here’s where AI really shines in helping your team move faster, work smarter, and connect better. It allows contractors to extract and validate coverage details from certificates intelligently and automatically. It matches requirements with actual coverage in real time. Finally, AI agents can monitor compliance across multiple subcontractor relationships.

Look beyond the technology to see its true potential. Gilbane Building Co. offers a powerful example of successful implementation. On its $456 million Baird Center project, the company used AI to manage 21,000 project documents and contracts. When teams had questions about complex specifications, the AI could instantly search across all documentation and provide accurate answers. In one instance, this helped them catch a critical ductwork specification issue in seconds rather than the hours it would have taken through standard email chains and manual document searches.

This kind of efficiency at scale is what makes AI transformative for construction. What once took days of manual verification can now be accomplished in minutes, allowing teams to focus on strategic project priorities. 

Moving Forward Together

Contractors are discovering the value of what specialized AI can do. From document management to insurance compliance, early adopters are already seeing how AI accelerates project success through enhanced communication and streamlined processes. These early implementations show us what’s possible when AI truly understands construction workflows — and we’re just scratching the surface of its potential. The future of construction technology is here. Will you help shape it?

The founder and CEO of myCOI, Kristen Nunery has dedicated over 15 years to transforming compliance management in the insurance technology space. Actively involved in the Indianapolis business community, she champions the importance of automating Certificate of Insurance tracking to help businesses minimize risk and maximize efficiency.

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