Best COI tracking software in 2026

1. COIverify — self-serve, AI-native, $99/mo entry

We are biased about this one. COIverify was built in 2026 from LLM-first principles to do one thing exceptionally well: take a vendor's certificate of insurance PDF and tell you whether it meets your contract requirements in 30 seconds.

What you get: drag-drop or email-forward intake; automatic extraction of GL limits, auto, workers' comp, umbrella, named insureds, additional insureds, waiver of subrogation, primary & non-contributory, completed-ops, expiration, and carrier rating; contract requirement templates per vendor or per job; PASS / NEEDS REVIEW / FAIL verdicts with named exceptions; expiration alerts at 60, 30, and 7 days; immutable audit log per COI.

What you don't get: a vendor portal where every subcontractor logs in and uploads on their own (TrustLayer and Certificial own this surface, deliberately), live broker AMS integration (this is Certificial's wedge), or a multi-tier vendor management workflow with custom fields, scoring, and approval chains. We do one specific job well; we don't do enterprise GRC.

Best for:a GC, property manager, or operations team that has 50–500 active vendor COIs, currently does this manually or in a spreadsheet, doesn't want to sit through a sales call, and can self-serve onboard in under five minutes.

2. TrustLayer — the funded incumbent

TrustLayer raised $22M (Series A in 2021, led by Distributed Ventures) and is the most well-funded company in this category. They process 400K+ COIs per month across a network of 300K+ companies. Their sweet spot is mid-market enterprises with a VP-level Risk Management function. Notable customers include El Ad US Holdings, Grenadier Homes, and IMA.

What they do well: a polished vendor portal where subcontractors and suppliers can log in and self-manage their COI; deep integrations with AMS-360, Applied Epic, and the major construction stacks; enterprise-grade workflow customization. If you're running a large-enough vendor program that the portal economics work, this is the obvious choice.

What they don't do well: SMB pricing. The entry tier starts around $1,000/mo, sales-led only, no public pricing. Their cost structure (sales overhead, customer success, implementation) makes serving a $99/mo customer unprofitable for them. We have a dedicated comparison at /vs/trustlayer.

3. myCOI — mid-market workflow tool

myCOI (operating at mycoitracking.com) has been around since the pre-LLM era and is the mid-market workflow tool of choice. They publish content prolifically — their blog drives the most organic traffic of any tool in the category — and they have a serious presence in property management and real estate operations.

What they do well: vendor outreach workflow (auto-email follow-ups to vendors when COIs are missing or expiring), a clean tracker UI, and a healthy library of educational content about insurance terms. Pricing sits in the $200–400/mo range based on customer reports; they don't publish it.

What they don't do as well: AI-native extraction. The product architecture predates LLMs and treats document parsing as a workflow problem. For straightforward ACORD 25 forms it works; for carrier-custom variants the manual-review step is more frequent. See our myCOI comparison.

4. Certificial — the AMS-sync angle

Certificial's differentiation is "Smart COI" — a live sync from broker AMS systems so the COI in your dashboard is always current. Their customers include Amazon, Paramount, and Yardi. They're sales-led and don't publish pricing.

The AMS-sync angle is real and we don't fight it. If your vendors' brokers are already on Certificial's integration network, that's a strong reason to pick them. The trade-off: implementation requires broker buy-in, which extends time-to-value from days to weeks or months.

5. Jones — broker-channel platform

Jones (getjones.com) is tied closely to insurance broker relationships in real estate. The product is solid, the SEO presence is strong (their "What is a certificate of insurance" post drives 4,000+ organic visits a month), but the buying motion goes through your broker, not directly. If your firm already works with a broker that uses Jones, the integration is smooth.

6. SmartCompliance — generalist mid-market

SmartCompliance positions broadly across vendor compliance, with COI tracking as one workflow alongside others. Mid-market pricing, sales-led. If you want a generalist compliance platform and COI is one of several workflows you need, this can be a fit. If you only need COI verification, it's heavier than necessary.

7. Billy — construction-niche

Billy (billyforinsurance.com) targets the construction vertical specifically. The marketing reflects construction-firm operators and the workflow assumes a subcontractor-onboarding flow. Pricing is undisclosed. If you're a GC who wants a tool with a construction-shaped product and don't mind a demo, it's a legitimate option.

8. Spreadsheet + calendar reminders — the status quo

This is what about 70% of mid-market firms still use. It's free at a software level, expensive in labor and risk. The math we run for the buyers we talk to: 15 hours/month of skilled clerical time at $40/hr loaded ($7,200/yr) plus exposure to one missed expiration that turns into an uninsured-loss event ($50K–$5M). For firms above ~25 active COIs, the spreadsheet stops being the cheap option even though it looks like it.

How to actually pick

Use this decision tree. It's opinionated. It's also accurate:

• Under 25 active COIs?Stay on a spreadsheet until you grow. Software overhead isn't worth it yet.
• 25–500 active COIs, $5–50M revenue, no dedicated risk manager? COIverify. The self-serve motion and $99/mo entry exist for exactly this profile.
• 500–2,000 active COIs with property-management workflows? myCOI is the most natural fit; vendor follow-up is their core strength.
• 1,000+ active vendors, VP-level risk team, enterprise procurement? TrustLayer.
• Vendors already on a broker that uses Certificial or Jones? Pick the one your broker is on.

What we're not telling you that you should still know

Every comparison page like this one — including ours — has a bias. We tried to write this honestly because pretending there's no conflict of interest insults the reader. If you're between options, the cheapest reality check is to drop a real COI into the free demo on each tool that offers one and see how each handles a carrier-custom form (a Travelers or Liberty Mutual variant is a good test). Quality differences become obvious in 5 minutes.

Frequently asked questions