Vendor commercial insurance, verified at the source.
Enterprise healthcare teams track dozens of required policies across hundreds of vendors. Harper collects every COI, calls the carrier to confirm the policy is active and matches your contract, and threads the evidence back — so a lapsed or downgraded policy doesn’t surface for the first time during a claim.
The figures on this page are an illustrative example — use the calculator to model your own portfolio.
Worked example
Illustrative- Vendors in scope
- 1,320
- Required policies each
- 4
- Re-verified
- Quarterly
- Fully-loaded cost
- $40 / hr
- Manual time per policy
- 20 min
~7,040
hours / year
~$281,600
cost / year
Estimated from the inputs above. Change any of them in the calculator below.
The choice no team should have to make
Insurance verification usually comes down to two bad options — and the work that falls through the gap between them.
Pour in the hours
Sort the COIs, call the producers, sit on hold, read the policy numbers, and log the findings — for every policy, every vendor, every cycle.
Let it slide
Deprioritize it for more urgent work, and rely on certificates you haven’t confirmed — with no certainty the coverage is still active when you need it.
Enterprise healthcare vendors carry many common commercial policies — each with its own expiration date, carrier, and certificate format:
And every policy has to line up with the specifics of your contract:
Now multiply by the whole portfolio. In our worked example — 1,320 vendors, 4 policies each, re-checked quarterly — that’s over 21,000 individual verifications a year. It’s exactly the kind of high-volume, low-judgment work that quietly gets skipped.
The risk isn’t only the missing certificate. A COI can look perfectly compliant on file while the policy behind it has lapsed, been cancelled, or stepped its limits down at renewal.
How it works
A consistent process that runs alongside your compliance team — you stay in control of how much it handles.
Share your requirements
Harper shows each vendor the exact liability coverage your contract calls for — so there’s no guessing about what to send.
Collect every COI
Harper gathers certificates of insurance for all required policies, across every vendor in scope, and chases the stragglers.
Confirm it at the source
Harper reads each COI and calls the producer or carrier on your chosen cadence to confirm the policy is active and the limits match your contract.
You decide where to step in
Set how much Harper handles on its own. It does the repetitive work and routes anything ambiguous to your team.
Keep a record you can defend
Original COIs, call recordings, transcripts, and a full reasoning trail — the kind of documentation you can hand to an executive, a regulator, or a court.
Harper, mid-verification
Maren Voss · Director of Vendor Risk, Holloway Health Network
“Harper — verify Tessera’s professional liability policy with Hartford ahead of the AI Governance Council review.”
Harper’s reasoning trail
What Harper is touching
Tessera_COI_2026_Q1.pdf
3 pages · uploaded Feb 18, 2026
- Insured
- Tessera Imaging AI Inc.
- Carrier
- Crestmark Mutual
- Policy #
- TSR-PRO-91144
- Coverage
- Professional Liability (Tech E&O)
- Limits
- $5M per occurrence / $10M aggregate
- Effective
- Feb 15, 2026
- Expires
- Sep 30, 2026
Every step traceable. Every artifact threaded back. The audit trail builds itself — and Maren can hand it to legal, the AI Governance Council, or her next OCR audit without a reasoning gap to defend.
Two things you get back
Coverage you’ve actually confirmed
A certificate on file isn’t proof of coverage. Harper checks each policy against the carrier on a recurring basis, so a lapsed or quietly downgraded policy gets caught before a claim does — not during one.
Hours back for your team
The collecting, calling, reading, and logging is the bulk of the work and the least of the judgment. Harper takes that off your team’s plate so their time goes to the calls that actually need their expertise.
Insurance verification is one of several Harper agents — run it on its own, or alongside the others as part of one vendor-compliance platform.
Self-serve ROI calculator
Swap in your own numbers to estimate the hours and cost this work takes today — the time Harper is built to give back.
Your numbers
Unique vendors you oversee
Required coverage types
How often you re-verify coverage
All-in hourly cost
COI, call, document, follow-up
Your return, every year
Hours saved per year
7,040
Personnel cost saved per year
$281,600
To be reallocated toward high-leverage work — while ensuring your vendor policy protection is actually in place.
Estimate only. Hours = vendors × policies × verification cycles per year × manual time per policy. Your actual numbers depend on your portfolio and current process.
About Harper
For Harper, vendor compliance is the whole product — not an add-on bolted onto a general GRC suite. It’s a set of AI agents that take on the repetitive, document- and phone-heavy work of overseeing your vendors, and keep a trail behind every action.
Start with a single high-value agent as a point solution, or run several together through one platform — whichever fits where your team needs the help most.
See it on your own vendors
Bring a few of your toughest vendors. We’ll show exactly what Harper would collect, who it would call, and what it would flag — against your real contract requirements.