If you’re a carrier and you see a message that your insurance information is missing or doesn’t meet a broker’s requirements, don’t worry — it’s easy to get things back on track.

Why you’re seeing a missing insurance message

Brokers set insurance requirements for carriers they work with — usually for auto liability (BIPD) and cargo insurance.

If your insurance information isn’t available or your coverage doesn’t meet the broker’s minimum, you might notice:

  • A warning badge letting you know your insurance needs an update, or
  • When viewing the load search results, you will see “Missing Load Requirements”.

That message means your insurance information needs to be verified or updated before you can fully access broker loads.

How insurance information is verified

DAT partners with Certificial, a trusted insurance verification service.
Certificial connects directly with insurance agents to collect and confirm Certificates of Insurance (COIs), so brokers know the data is accurate and up-to-date.

Because this process goes through agents, carriers don’t need to upload their own certificates, just provide the contact information for their agent.

How to Fix missing or out-of-date insurance

Carriers that are missing insurance in the DAT account will see a yellow warning banner within the load details when a broker has applied insurance minimum requirements to a load posting. 

Here’s what to do:

  1. Click Update Missing Insurance in the yellow  banner to open the COI Request window.
  2. Enter your insurance agent’s email address, then click Submit to send the request..
  3. After submitting, a confirmation appears showing the Submission Date, Status (Pending), and the Agent Email provided.
  4. Click OK to return to the load details. The yellow warning banner will update to show that your insurance request is pending.
  5. Click Learn More in the banner to reopen the COI Request Sent window and review the submission details.
  6. If you need help, click Get Support from the submission window or the Insurance section of your Company Profile. This option provides:
    • Instructions for asking your insurance agent to send the certificate to Certificial
    • Help articles explaining the DAT–Certificial insurance submission process
  7. Click View Profile from the confirmation window to open the Insurance tab in your Company Profile, where you can review the status and details of your request.
  8. When DAT receives your certificate of insurance from Certificial, the user who submitted the request will receive an in-app notification confirming that the insurance information has been updated.
  9. Once processed, the certificate of insurance and coverage details will appear in the Insurance tab of the carrier’s Company Profile.

After that, you’ll regain full access to loads from brokers whose insurance requirements you meet.

If you keep getting reminders

If you’ve already provided your agent’s email but still see reminders:

  • To speed things up, ask your insurance agent to send the Certificate of Insurance (COI) directly to support@certificial.com.
  • Confirm your agent received and responded to the request from Certificial.
  • If the issue continues, contact Certificial Support at support@certificial.com.

They can check the status and help ensure your insurance information is updated correctly.