Kayna reads the full policy and tells you if you’re actually covered. Not just the certificate on file.
Kayna reads full policies, endorsements and contracts — not just certificates — and returns a reasoned gap analysis for every vendor, franchisee, subcontractor and tenant you’re exposed to. Every verdict cites the page it came from.
Pilot on one group of 10. No integration, no procurement cycle.
How it works
Requirements in, documents in, compliance out.
Upload the contract, not a checklist
Kayna finds the insurance clauses inside a full agreement and extracts them into a structured ruleset — limits, endorsements, AM Best, expiry rules. Already hold the third party's policy yourself? Upload that too and Kayna runs the analysis directly.
You review confidence and correct it before anything goes live.
Invite the third parties
Bulk CSV or one at a time. Reminder cadence, stop conditions and escalation threshold are yours to set. Already have some of their insurance policies yourself? Upload those directly instead of waiting on an invite.
Every send, delivery, open and bounce is on the record.
They upload; Kayna reads everything
Full policy wording and endorsements, not just the ACORD certificate.
Typical analysis returns in under two minutes.
One report, two audiences
The vendor gets remediation they can forward to their broker. You get requirement-by-requirement evidence with page and line citations.
Both views come from the same analysis run.
Where the exposure actually sits
Kayna reads the endorsement wording behind the certificate, and tells you if it satisfies the contract.
It goes past the certificate to the policy and endorsements behind it, and checks that wording against the clause that requires it.
01
The spreadsheet only tracks expiry dates
It tells you a certificate exists. It cannot tell you the additional insured endorsement omits completed operations, or that the limit is met only by an umbrella that lapsed in March.
02
The requirements are buried in the contract
Clause 14, four pages, three cross-references, negotiated differently for every tier. Nobody re-reads it at renewal, so the ruleset drifts from what was actually signed.
What it actually costs
A wrong endorsement costs nothing for years... and then it costs everything at once.
Non-compliance is invisible until a claim, a renewal or an audit forces it into the open. These are the four ways it lands, and none of them lands on the vendor.
You
Pay the loss
The claim lands on your programme instead of theirs
A vendor's liability is your liability if their cover fails to respond. The loss erodes your retention, then your tower — and it prices your next renewal for three years, not one.
Defence
Costs first
You fund the defence before anyone argues about who pays
Defence costs start the week the claim arrives. Without a valid tender of defence to the vendor's insurer, your counsel bills you from day one, whatever the eventual outcome.
Indemnity
Without money
Your contractual indemnity is only as good as their balance sheet
The MSA says the vendor indemnifies you. If the insurance behind that clause isn't there, you are indemnified by a firm with eleven employees and a van.
Audit
Findings
It shows up in the audit long before it shows up in a claim
Auditors test the control, not the folder. A sample you can't trace back to policy wording becomes a finding — and findings travel to the board.
Worked example · One $2M claim, one missing endorsement
The certificate said additional insured. The endorsement didn’t cover completed operations.
A contractor finishes a job in March. In November the work fails and a third party is injured. Their policy responds for work in progress, not for work completed — so the tender of defence is declined and the claim comes back to your own programme.
Illustrative arithmetic on a single mid-size liability claim. Your own retention and tower will change the numbers, not the direction.
Settlement and damages
$2,000,000
Third-party bodily injury, completed operations
Defence costs
$310,000
Counsel, experts, 14 months
Recovered from the vendor's insurer
$0
Tender of defence declined — no CG 20 37
Recovered from the vendor directly
$0
$640k annual contract, no balance sheet behind the indemnity
Carried by you, not the vendor
$2.31M
Kayna would have failed this vendor at onboarding — CG 20 37 missing, critical severity, cited to page 7 of their endorsement schedule.
Full portfolio visibility.
Portfolio compliance rate, trend, and the specific exposures that are unacceptable today — with the contract clause and document page behind each one. Filter by group, region or contract value; export the whole evidence pack for your auditor.
- What fails most often across the portfolio, so you fix the cause once instead of 300 times.
- Expiring in 30 / 60 / 90 days, ranked by contract value at risk.
- Accepted risk, recorded properly — waive a requirement with a reason, an approver and an expiry date.
Portfolio compliance
2,675 of 3,412 fully compliant · +4.2 pts since Q1
41
unacceptable now
128
expiring in 30 d
189
unresponsive
Built for different verticals
Franchise, marketplace or platform — the insurance requirement looks different every time. Kayna reads all three.
Franchise agreements, marketplace terms of service, and platform onboarding flows all set an insurance bar for someone else’s business. Kayna applies to all three the same way.
One agreement, thousands of locations, one lapsed endorsement voids the brand's protection.
The franchise agreement sets the insurance bar for every location — limits, additional insured wording, workers’ comp. Kayna reads that agreement once and applies the same ruleset to every franchisee, flagging the location whose renewal quietly dropped what the agreement requires.
Fits the franchise calendar — gate location status against renewal, opening or transfer, the milestones you already track.
Every seller, driver or provider you onboard is liability you didn't underwrite.
A marketplace that lets a provider go live without verifying real cover inherits their claims. Kayna checks the policy behind the certificate before a listing activates, and keeps checking it — not just at signup.
Fits before dispatch — block or flag a listing the moment a required endorsement lapses, not the week after a claim.
Your customers already chase this by hand. Give them the tool that reads the policy.
Property management, construction, field service and home-services software all sit on top of a compliance workflow their customers run in a spreadsheet today. Kayna becomes that workflow, inside your product.
Fits your roadmap — embed the widget or call the API; your customer never leaves your platform to prove a vendor is covered.
30-day free trial · Fair usage included
Start with one group of ten.
Upload one contract, let Kayna extract the ruleset, invite ten third parties and see the compliance rate move. Every trial runs 30 days with fair usage included, at no cost — no integration, no data migration, no procurement cycle.
30-day free trial · Fair usage included
Start with one group of ten.
Tell us who you are and we’ll open a workspace. Upload one contract, let Kayna extract the ruleset, invite ten third parties and watch the compliance rate move — no integration, no data migration, no procurement cycle.
Nothing to integrate
The trial runs on uploads. No connectors, no data warehouse, no engineering time on your side.
You review before it counts
Kayna shows its confidence on every extracted requirement, and you correct the ruleset before a single invite goes out.
Every verdict is evidenced
Each pass or fail cites the document, page and line it came from, so the result survives an audit.