XYZ COMPANY
INSURANCE PORTAL
VENDOR 1 URL
VENDOR 2 URL
VENDOR 3 URL
VENDOR 4 URL
VENDOR 5 URL
VENDOR 6 URL
Vendor Limit: Unlimited
As illustrated on the portal breakdown, each vendor URL links to the vendor's unique webpage where individual links to the vendor's lines of business are hosted. In lieu of a certificate of insurance, requesting entities can view each vendor's  coverage information once the link is shared and permission is granted from the vendor. The vendor link can then be added to the requesting entity's vendor index.
WHY STRUCTURE IT THIS WAY
?
With an index structure, each "portal manager" could execute a web crawler service to track compliance across all vendors. 

Once executed, the crawler would visit each link within the portal manager's vendor index and every "coverage link" within each vendor's main URL. 

Since each line of business has a unique URL, connectivity to the link would be determined by the existence of active coverage at the carrier level. 


If any line of business is cancelled, the URL would be "inactive" and the web crawler would report a "404 not found" status in the vendor manager's crawl log report. 

In turn, the "404 not found" status reported by the web crawler could effectively replace the "notice of cancellation to certificate holders" which would place responsibility upon requesting entities to ensure that coverage lapses are dealt with as soon as possible via diligent monitoring and risk management.

Experts, of course, could determine the best way to engineer the link index and network architecture for this purpose. In that same regard, licensed producers that represent each line of business would consult with their clients on the depth and level of policy data displayed the same way they issue certificates of insurance in today's environment

To do this, standardized, preset webpage templates could be created with varying levels of information:

Template 1: Webpage only displays data / information found on today's various ACORD forms...similar to Marsh's "Memorandum of Insurance."  This is basically the equivalent of only receiving a certificate of insurance (without supporting endorsements).

Template 2: Webpage displays data found on today's various ACORD forms and also supplies links to applicable endorsements, coverage forms, and exclusions (similar to a full policy copy).

Template 3: Webpage displays the level of information found on template 2 but also includes an extra depth of data analysis by integrating data widgets similar to concepts on the insurance widgets section.

Template 4: Webpage displays the level of information found on template 3 but also includes a detailed breakdown of claims, loss runs, experience modification worksheets, and other information with benchmark data to compare the individual account represented on the URL with all other data for the account's overall industry.

Understandably, funding mechanisms for providing reliable connectivity, hosting, and support for the overall network will need to be explored. Be sure to visit the other sections of Goodbye COI that elaborate on this and other critical issues that will need to be addressed in the future...