Automated COI compliance, built for construction.

Hi [Agent/Broker Name],

We recently implemented Crossbeam Cloud to strengthen our subcontractor insurance compliance and risk-management process. This gives us a more consistent, documented way to collect COIs, verify coverage requirements, monitor expirations, and maintain a clear compliance history across our subcontractors and projects.

I wanted to share these improvements with you so we can discuss how they may support our underwriting profile, renewal review, and any available premium credits or risk-management adjustments.

Here are some of the key controls now in place:

• COIs are collected directly from the subcontractor's insurance agent or broker, rather than relying only on self-submitted documents.
• Certificates are reviewed against our insurance requirements, including coverage types, limits, additional insured status, and required endorsements.
• Insurer financial strength can be reviewed as part of the process, helping us identify whether coverage is being provided by a financially stable carrier.
• Policy exclusions and coverage concerns are easier to identify and review before a subcontractor is approved for project work.
• Expiration monitoring is handled continuously, with renewal reminders and follow-up designed to reduce the chance of expired coverage going unnoticed.
• Subcontractor approval is tied to verified insurance compliance, helping ensure that subcontractors are not cleared to work without proper coverage documentation.
• Documents, approvals, and compliance activity are logged, giving us a clearer audit trail across subcontractors and projects.
• Crossbeam also supports automated end-of-year insurance compliance reporting, making it easier to provide organized documentation for audits, renewals, and carrier review.

Given these added controls, we would like to understand whether our use of Crossbeam Cloud may qualify us for any premium credits, rate reductions, loss-control discounts, or improved renewal consideration.

Our main question is whether this documented subcontractor compliance process can positively impact our insurance costs, either now or during our next renewal cycle.

A Crossbeam engineer would be happy to provide a compliance report or walk through the system with you if that would be helpful for your review. Please let me know a good time to discuss.

Best,
[Your Name]