Built for trucking, delivery & logistics

COI & W-9 Tracking for Trucking, Delivery & Logistics Vendors

Owner-operators and 1099 drivers mean constant insurance and tax paperwork. TrackMyVendor keeps every vendor compliant before they're on the road.

Start free — up to 25 vendors No credit card required

A signed carrier packet isn't a current COI. And it definitely isn't a W-9.

Owner-operators and independent drivers are 1099 vendors, not employees — which means the same COI and W-9 burden as any subcontractor network, just on wheels:

A lapsed auto liability policy doesn't announce itself — it shows up at the claim
A missing W-9 doesn't surface until year-end, after you've already settled dozens of loads
A rotating pool of owner-operators means paperwork that's never finished — every vendor on a different renewal cycle
Fleet and logistics managers need to know a driver is compliant before dispatch, not after an incident

The certificate that got a driver into your network six months ago tells you nothing about whether their coverage is still in force this morning.

What compliance looks like for logistics vendors

Three things have to hold for every owner-operator and independent driver you use — continuously, not just at intake.

1

Auto liability and general liability COIs on file

Auto liability is the policy that actually responds when a truck is involved in a loss, and it's the one shippers and brokers care about most. General liability, motor truck cargo, and workers' comp round out what a contract typically requires — each with its own limits and its own expiration date.

2

A W-9 collected before the first load or settlement

Owner-operators are paid as vendors, which means a 1099-NEC at year end and a W-9 on file to support it. Collect it at intake, while the driver is already sending you documents — not in January when they've moved on to another carrier.

3

Per-vendor expiration tracking across a rotating pool

Drivers come in and out of your network constantly. Every one of them carries their own policy dates, authority documents, and CDL renewal — and a spreadsheet built at intake goes stale the week after it's built.

The dispatch moment

"Is this driver clear to take the load?"

That question gets asked dozens of times a day and answered from memory. Dispatch runs on speed, and nobody is opening a PDF folder to confirm an insurance date while a load sits on the dock — so a non-compliant driver gets sent, and the gap is only discovered when something goes wrong.

Compliance only works here if it's enforcement, not filing. The dashboard has to show who's clear to work today — before dispatch, not in a monthly audit.

TrackMyVendor flags any vendor with an expired or missing document, so dispatch has a live answer instead of an assumption. And because alerts fire at 90, 60, 30, and 7 days out, most of those flags never happen — the driver renews before the deadline, prompted automatically.

How TrackMyVendor works for logistics

A vendor roster built for a pool that turns over — with collection and follow-up automated.

Automated COI & W-9 collection

Send an owner-operator a magic link — no account, no app, no portal login. They upload their certificate and W-9 from the cab in under 2 minutes, and AI reads the coverage limits and expiration dates straight off the COI.

Per-route requirement templates

Different contracts demand different limits. Set the coverage requirements for a route, lane, or customer contract once, then see which vendors actually meet them — instead of eyeballing a certificate against a contract every time.

Expiration alerts & audit-ready exports

Alerts at 90/60/30/7 days go out before a policy lapses, with the renewal link going to the driver — not just your inbox. When a shipper or your own carrier asks for proof, export the whole roster as a PDF or Excel file in seconds.

Authority and CDL documents, tracked alongside the COI

Store each vendor's motor carrier authority, MC/USDOT number, and CDL with their expiration dates, and get the same renewal alerts you get for insurance — so authority and licensing live in the same dashboard as coverage instead of a separate binder. Automatic daily verification against state databases currently covers contractor licenses in Texas, Florida, California, Washington, and Oregon; carrier authority and CDLs are tracked by their document and expiration date. See how license verification works →

Documents logistics vendors track

Auto liability COI
General liability COI
Motor truck cargo
Workers' comp / occ-accident
W-9 tax forms
MC / USDOT authority
CDL & endorsements
Additional-insured endorsements
Lease & carrier agreements

Free covers up to 25 vendors with license verification, COI tracking, AI document parsing, and magic-link uploads. W-9 collection, automated expiration alerts, and exportable compliance reports are included in Starter and above; per-contract requirement templates and compliance enforcement are Pro features. 30-day free trial, no credit card required. See plans →

Frequently asked questions

What insurance should an owner-operator carry?
Auto liability is the core coverage. For interstate for-hire carriers, the FMCSA sets a federal financial responsibility minimum of $750,000 for general freight, with higher minimums for certain hazardous materials — but the practical floor is set by the market, and most shippers and brokers require a $1,000,000 combined single limit. Beyond that, expect motor truck cargo coverage (commonly $100,000), general liability, and workers' compensation or an occupational accident policy. Your own contracts and your carrier's requirements determine the actual limits you should be enforcing.
Do 1099 drivers need a W-9 on file?
Yes. Any driver or owner-operator you pay as an independent contractor rather than an employee needs a completed Form W-9 on file, so you have the legal name and taxpayer identification number required to issue a 1099-NEC at year end. Collect it before the first settlement — chasing a W-9 from a driver who has already moved to another carrier is far harder than asking for it at intake.
How is DOT compliance different from COI tracking?
DOT compliance is the FMCSA-regulated side of running a fleet: driver qualification files, hours of service, drug and alcohol testing programs, vehicle inspection and maintenance records. COI tracking is the insurance and vendor-documentation side — proving that each vendor's coverage is current and meets the limits your contracts require. They overlap on documents like the CDL and medical card, but they are separate systems. TrackMyVendor handles the vendor document and insurance side; it is not a DQ file or hours-of-service platform.

Know a driver is compliant before dispatch

Collect the COI and W-9 at intake, track every expiration across your vendor pool, and stop finding gaps at the claim.

Start free — up to 25 vendors

No credit card required