Policyholder Portal

The Policyholder Portal is available on web (portal.openinsure.dev) and as a mobile app (iOS and Android). Both give you 24/7 self-service access to your insurance account.

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Signing In

Mobile App

1. Open the OpenInsure app on your phone 2. Enter your policy number (e.g. MHC-COM-2026-04821) 3. Tap Send Verification Code — a 6-digit code is sent to your email on file 4. Enter the code and tap Verify 5. Optionally enable Face ID / Touch ID for faster sign-in next time

Web Portal

1. Go to portal.openinsure.dev 2. Click Sign in with Microsoft or enter your email and password 3. You land on your Home dashboard

Note

First-time users receive a welcome email with a one-time setup link. If you don’t see it, check your spam folder or contact your producer. The mobile app is available on the App Store and Google Play.

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Home Dashboard

Your dashboard shows:

• Active policies — current coverage summary with effective and expiry dates
• Open claims — status at a glance (Open / In Review / Settled)
• Upcoming payments — next installment due date and amount
• Recent activity — endorsements, documents, and notices issued in the last 30 days

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Viewing Your Policy

Click any policy card to see:

Section	What’s shown
Coverage Summary	Lines of business, limits, deductibles, effective dates
Named Insureds	All entities covered under the policy
Endorsements	History of mid-term changes with effective dates
Documents	Policy, declarations page, certificates, ID cards

Downloading your ID card

1. Open the policy
2. Click Documents → ID Card
3. Download as PDF or share digitally

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Filing a Claim

1. From the Home dashboard, click File a Claim 2. Select the policy the loss applies to 3. Complete the First Notice of Loss (FNOL) form: - Date and time of loss - Description of what happened - Estimated damage amount - Any involved parties 4. Attach supporting photos or documents (optional) 5. Submit — you receive a confirmation email with your claim number

After submission, an adjuster is assigned within one business day. You can track progress in the Claims tab.

Claim statuses

Status	Meaning
Open	FNOL received; adjuster being assigned
In Review	Adjuster investigating; reserve set
Pending Settlement	Offer made; awaiting your acceptance
Settled	Payment issued
Closed	No further action required

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Making a Payment

1. Click Payments in the left navigation 2. Your current balance and next due date are shown
2. Click Pay Now 4. Enter credit/debit card details or use a saved payment method 5. Download your receipt

Payment plans (monthly, quarterly, semi-annual, annual) are set by your producer at policy inception. Contact your producer to change your plan.

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Documents

The Documents tab shows all files associated with your account:

• Policy declarations
• Endorsement schedules
• Certificates of insurance (COIs)
• Loss run reports
• Invoices and receipts
• Correspondence from your carrier

All documents are PDF and can be downloaded or shared via a secure link.

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Certificates of Insurance

If a third party requires a Certificate of Insurance (COI) showing your coverage:

1. Click Certificates in the navigation 2. Click Request Certificate 3. Enter the certificate holder’s name, address, and any additional insured requirements 4. Submit — your producer is notified and will issue the certificate within one business day 5. You and the certificate holder both receive the COI by email

Note

For urgent certificates, contact your producer directly. Standard processing is 1 business day.

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Renewal

60, 30, and 15 days before your policy expiry you receive an email reminder. When your renewal is ready:

1. Open the Renewal tab
2. Review the proposed terms and premium
3. If everything looks correct, click Accept Renewal
4. If you have questions, click Contact My Producer

Tip

Review your renewal early. Changes to coverage or payment details take a business day to process.

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Profile & Settings

Under your avatar → Profile:

• Update your mailing address and contact email
• Add or change payment methods
• Manage notification preferences (email, SMS)
• View login history

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Notifications

You receive notifications for:

• New documents available for download
• Claim status updates
• Payment confirmations and upcoming due dates
• Renewal reminders
• Endorsement confirmations

To manage your preferences, go to Profile → Notifications.