Vendor friction
Why subcontractors don't send their COIs on time (and what to do about it).
Late COIs are usually a process problem, not a character problem.
The request is unclear
Subs delay when they do not know which limits, holder details, or endorsements you need. Short, specific requests move faster.
The upload path is annoying
Email threads, portals, and missing context slow people down. A direct upload link removes most of that friction.
The deadline is not visible
Renewals need reminders before they become urgent. Track dates and ask early.
Better process
- Ask for the exact proof.
- Send one upload link.
- Remind before the deadline.
- Show status to the team.