Case Study: The Horton Group achieves 100% COI compliance and reduces customer risk with Applied Systems' certTrax

The Horton Group reduces customers’ risk exposure and gains a competitive edge

The Horton Group, an independent insurance agency serving construction and service industries, needed a reliable way to manage certificates of insurance (COIs) and reduce customer risk because clients lacked the capacity to vet vendors. During an initial review, one customer discovered only about 14–15% of its vendors met standard insurance requirements, exposing significant compliance gaps.

Horton chose Applied certTrax (building on its existing Applied CSR24 relationship), piloted the solution, and rolled it out to other clients; automated tracking drove COI compliance from roughly 15% to 100%. The program created a new revenue stream, lowered administrative costs tied to manual processing, and strengthened risk mitigation—giving Horton a clear competitive advantage.

The Horton Group

Amiri Curry

Insurance Services Manager