Best COI tracking software: 5 tools compared
Certificate of insurance (COI) tracking software collects certificates from your subs and vendors, checks them against your requirements, and chases renewals. Here’s how the five most-compared tools stack up for general contractors and property managers.
We make Certy, so we’re biased. We’ve tried to be fair: everything about other products comes from their public websites as of October 2026, and we say where another tool is the better pick.
Comparison table
| Tool | Pricing | Free plan | Best for |
|---|---|---|---|
| Certy | $49, $149 or $299 per month, published. Yearly billing is 10× monthly. | No (free tools; 30-day money-back) | GCs and property managers with 10–500 vendors who want simple, self-serve tracking |
| myCOI (illumend) | Not published. Pricing comes through a demo and quote. | No free plan listed. | Mid-size and enterprise organizations that want a long-established vendor, endorsement review, and optional insurance-professional support. |
| TrustLayer | Free Starter plan up to 50 vendors. Pro and Complete tiers priced through sales. | Yes, Starter is free for up to 50 vendors. | Risk and finance teams that want COIs, W-9s, licenses and contracts in one third-party risk platform. |
| Jones | Per record, per year. Figures not published; quote on request. | No free plan listed. | Property and construction companies that want human-verified audits, a managed follow-up team, and deep integrations. |
| bcs | Free up to 25 vendors. Self-Service about $11.40 per vendor per year. Full-Service about $17.80 per vendor per year with a $10,000 annual minimum. Integrations about $2 per vendor per year. | Yes, free for up to 25 vendors. | Organizations that want per-vendor pricing, a free tier for very small lists, or a fully outsourced program. |
1. Certy: best for small teams that want published pricing
Vendors upload a PDF or phone photo of their COI through a private link. AI reads every policy, limit and date, checks it against your requirements (limits, additional insured, waiver of subrogation, certificate holder, expiration), and emails vendors 30, 14 and 7 days before anything lapses. Setup help is included: we load your first 50 vendors.
Limitations: no integrations yet, no managed outreach team, and no free plan. See pricing or try the free ACORD 25 checker.
2. myCOI (illumend): best for enterprise programs with endorsement review
myCOI is one of the longest-running COI tracking companies. Its platform is now branded illumend, an AI-driven compliance product backed by myCOI, and mycoitracking.com redirects there. It serves large organizations across construction, commercial real estate, retail and franchise, utilities and government. Certy is built for smaller teams that want published pricing and to be running the same day.
Pricing: Not published. Pricing comes through a demo and quote. Review: AI engine (“Lumie”) reviews COIs and endorsements against requirements, with humans handling edge cases. Higher-touch packages add insurance professionals as an extension of your team. Integrations: Procore integration announced in 2025; enterprise integrations through sales.
3. TrustLayer: best free plan up to 50 vendors
TrustLayer is a third-party risk management platform that tracks certificates of insurance alongside W-9s, licenses, contracts and other documents. It has a free starter plan and paid tiers for larger programs. Certy does one job, COI tracking, with published pricing for teams that have outgrown spreadsheets.
Pricing: Free Starter plan up to 50 vendors. Pro and Complete tiers priced through sales. Review: AI reads COIs and flags gaps against your requirements; tracks other compliance documents too. Integrations: Procore, CMiC and Vista Viewpoint on Pro; custom integrations on Complete; API.
4. Jones: best for human-verified audits and integrations
Jones combines AI with human-verified review and offers a managed “Operator” service that handles vendor follow-ups for you. It integrates with Procore, Yardi, MRI, CMiC and others, and targets property managers, general contractors and owners. Certy is self-serve software with published pricing for teams that want to run COI tracking themselves.
Pricing: Per record, per year. Figures not published; quote on request. Review: AI-assisted, human-verified certificate audits. The optional Operator tier adds a team that chases non-responsive vendors and resolves gaps. Integrations: Procore, Yardi Voyager, MRI, CMiC, Building Engines, Vista Viewpoint, Sage 300 and Sage Intacct; API and SSO as enterprise add-ons.
5. bcs: best for per-vendor pricing and full outsourcing
bcs (Business Credentialing Services) publishes per-vendor pricing: a free plan up to 25 vendors, a self-service tier and a full-service tier where bcs handles outreach. It also offers integrations and vendor-network features. Certy charges a flat monthly price by vendor count, aimed at teams that want simple software and done-for-you setup.
Pricing: Free up to 25 vendors. Self-Service about $11.40 per vendor per year. Full-Service about $17.80 per vendor per year with a $10,000 annual minimum. Integrations about $2 per vendor per year. Review: AI certificate review on every tier; Full-Service adds a team for outreach, corrective actions and renewals. Integrations: Yardi, Procore, MRI and others (paid add-on); open API.
How to choose
- Count your active vendors. Under 25–50 and price-sensitive? Start with a free plan. From 25 to 500, compare published per-month and per-vendor prices.
- Decide who chases vendors. Automated reminders work for most teams. If no one on your team can own follow-ups, budget for a managed tier.
- List the integrations you really need. Procore, Yardi or Sage sync is a reason to pick an enterprise tool. A CSV import is enough for most small teams.
- Test it on real certificates. Upload three of your messiest COIs, including a phone photo, and see what each tool gets right.
Frequently asked questions
What is COI tracking software?
Software that collects certificates of insurance from subcontractors, vendors or tenants, checks them against your insurance requirements, and reminds them before policies expire, replacing spreadsheets and inbox searches.
How much does COI tracking software cost?
Pricing ranges from free plans for very small vendor lists (TrustLayer up to 50 vendors, bcs up to 25) to quote-only enterprise contracts. Self-serve tools with published pricing include Certy ($49–$299/month) and bcs (about $11.40 per vendor per year), as of October 2026.
What’s the best COI tracking software for small contractors?
Small teams usually want published pricing, no sales process, and vendors who can upload without an account. Certy is built for that. If you have fewer than 25–50 vendors and want to pay nothing, the free plans from bcs or TrustLayer are worth a look.
Do I need a managed COI tracking service?
If you have hundreds or thousands of vendors and no one to chase them, a managed tier (Jones Operator, bcs Full-Service, myCOI’s higher-touch packages) does the follow-ups for you. Most teams under a few hundred vendors do fine with automated reminders.