Do we need live policy data?

Carrier data is useful when available. Vendor programs still need a workflow for producers who are not on a network. DueFiles verifies the packet you can collect today.

What happens if a policy is cancelled mid-term?

A certificate can become stale. DueFiles stores each version, continues renewal reminders, and lets your team require a fresh certificate on its chosen cadence. The audit log preserves the history.

Does DueFiles replace network data?

DueFiles verifies the packet that reaches your program. The certificate and endorsements remain the documents you provide to an auditor, board, lender, or GC.

DueFiles vs Certificial

Certificial depends on live policy network data. DueFiles verifies the certificate and endorsements you already have, then chases missing documents from vendors and brokers.

Live carrier data serves a different workflow. Most vendor programs still depend on the PDF a broker emails. DueFiles extracts, verifies, confirms, and chases that packet.

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Why DueFiles wins

Work with the ACORD 25 and endorsements already in your files.
Do not require every producer to join an external network.
Set named ISO forms in the requirement template.
Use a direct upload link when the packet needs correction.
Start with a published catalog and a free plan.
Keep a file pending until your team confirms it, even when a feed shows that the policy exists.

Side by side

What buyers actually ask, answered with product behavior.

What must happen before you start?
Certificial
A producer or carrier must be on the live-data network.
DueFiles
Upload the certificate PDF or photo you already have.
Is there a published catalog?
Certificial
Access is gated through sales.
DueFiles
$0 Free, $39 Starter, $99 Pro, or $249 Business.
How are endorsement forms verified?
Certificial
Network coverage data.
DueFiles
Read CG 20 10, CG 20 37, CG 24 04, and other required forms from the packet.
What if the broker is not on the network?
Certificial
Wait for network access or return to email.
DueFiles
Send an upload link. The broker submits the file, and your team reviews it.
How do you handle a mid-term change?
Certificial
Handle it if the network receives the change.
DueFiles
Upload the new packet and re-verify it while reminders continue.
Who confirms the result?
Certificial
Rely on the feed.
DueFiles
A person on your team confirms. The file remains pending before confirmation.
How does chasing work?
Certificial
Send a network request.
DueFiles
Remind vendors and brokers at 60, 30, 15, and 7 days.
Are vertical templates available?
Certificial
Design the program after access.
DueFiles
Vertical templates ship with the workspace.
Is extraction included?
Certificial
The network is the primary product.
DueFiles
Yes. Most vendor packets still arrive as PDFs.
Can you see a working program?
Certificial
Request sales access.
DueFiles
Open Harborstone or use the homepage checker.

What buyers ask	Certificial	DueFiles
What must happen before you start?	A producer or carrier must be on the live-data network.	Upload the certificate PDF or photo you already have.
Is there a published catalog?	Access is gated through sales.	$0 Free, $39 Starter, $99 Pro, or $249 Business.
How are endorsement forms verified?	Network coverage data.	Read CG 20 10, CG 20 37, CG 24 04, and other required forms from the packet.
What if the broker is not on the network?	Wait for network access or return to email.	Send an upload link. The broker submits the file, and your team reviews it.
How do you handle a mid-term change?	Handle it if the network receives the change.	Upload the new packet and re-verify it while reminders continue.
Who confirms the result?	Rely on the feed.	A person on your team confirms. The file remains pending before confirmation.
How does chasing work?	Send a network request.	Remind vendors and brokers at 60, 30, 15, and 7 days.
Are vertical templates available?	Design the program after access.	Vertical templates ship with the workspace.
Is extraction included?	The network is the primary product.	Yes. Most vendor packets still arrive as PDFs.
Can you see a working program?	Request sales access.	Open Harborstone or use the homepage checker.

The PDF remains the record

Lenders, boards, and GCs ask for the certificate and endorsements. DueFiles stores the packet, reads it, and shows the gaps without waiting for a producer to join a network.

Live policy data does not replace review

A policy can be active and still lack completed-operations additional insured coverage. DueFiles flags the gap, your reviewer sees it, and the portal requests the form.

Start with the files you have

Create a workspace, import the roster, and send vendor upload links. Published plans and the sample workspace are available before procurement.

Questions that come up

Do we need live policy data?: Carrier data is useful when available. Vendor programs still need a workflow for producers who are not on a network. DueFiles verifies the packet you can collect today.
What happens if a policy is cancelled mid-term?: A certificate can become stale. DueFiles stores each version, continues renewal reminders, and lets your team require a fresh certificate on its chosen cadence. The audit log preserves the history.
Does DueFiles replace network data?: DueFiles verifies the packet that reaches your program. The certificate and endorsements remain the documents you provide to an auditor, board, lender, or GC.

Run the program in DueFiles

Start free with the certificates you already have. Verify coverage without waiting on a network.

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