Property managers waste 13 hours a week chasing vendors for insurance certificates. Spreadsheets, expired policies nobody noticed, vendors ghosting renewal requests. 41% of businesses have lost money from expired COIs. Existing tools cost $6K-$15K/year. COIPulse uses AI to extract 19 fields from any COI PDF (99.2% accuracy), scores compliance against trade-specific rules, sends automated reminders, and gives vendors a frictionless upload portal. Free tier, no credit card.