Best COI tracking software for general contractors (2026)

TL;DR. Contracts Connected is the best COI tracking software for general contractors in 2026 when the certificate is one of several documents you collect from every sub, because it is the only tool on this list where the certificate, the subcontract, the weekly certified payroll and the lien waivers live in one package and one tracker. Billy, Jones, illumend, TrustLayer and bcs are strong certificate-first tools, and every one of them now reads the ACORD 25 with software and chases the broker for you. Certificial is the pick if you want live policy data instead of a PDF, and Constrafor fits a GC that wants COIs beside subcontractor financing.

Every fact about a competitor below comes from that vendor’s own website, read on September 19, 2026. Where a vendor does not publish a price, the table says “not published” rather than guessing. Contracts Connected is our product. We rank it first and we say why, and we list its limits in the same format as everyone else’s.

What COI tracking software has to do in 2026

Two years ago, COI tracking software meant a calendar with an upload button. It watched expiration dates and sent reminders. That is table stakes now. Every tool on this list reads the certificate itself: the general liability limit against the subcontract, the additional insured box and the endorsement behind it, the waiver of subrogation, the primary and noncontributory wording, and the umbrella and workers’ compensation lines. Most also read the endorsement forms by number, CG 20 10 for ongoing operations and CG 20 37 for completed operations, because a checked box on the ACORD 25 is not the same thing as the form.

The differences that matter now are elsewhere. Who chases the broker, your team or theirs. Whether the tool holds the W-9, the license and the bond as well, or only the certificate. Whether it knows which sub is on which project, or treats every certificate as a record in a list. And whether the certificate connects to anything downstream: the subcontract it satisfies, the pay application it gates, the lien waiver and the certified payroll that decide whether the sub can be paid this week.

That last point is where the list splits. Seven of these tools track the certificate. One tracks the certificate as part of the contract.

The eight tools at a glance

Contracts Connected

Contracts Connected is the AI Contract Operations System for construction. Project management runs the job and accounting runs the money. Contract operations is the third system: the subcontracts, the compliance documents and the proof that a vendor can mobilize, is compliant on site and can be paid. The certificate of insurance is one of those documents, and it is collected the same way as the rest. The vendor portal collects the COI, the W-9, the license, the bonds, weekly certified payroll on prevailing wage jobs, lien waivers and closeout. It reminds vendors on Monday and Wednesday mornings until everything is in. The tracker shows every vendor, every required document, who can mobilize, who is compliant on site, and who can be paid.

Strengths

• The certificate lives with the subcontract it satisfies. One package goes out with unlimited attachments, redlines and e-signatures happen inside the system with no separate signing app, and the COI requirement is set from the project’s insurance terms.
• AI is a dial, not a default. DIY means no AI touches your documents. DWY reads a COI against the project’s insurance requirements, limits, endorsements, additional insured, waiver of subrogation and expiry, and tells you whether to accept or reject and why. It drafts, it never sends. DFY is the AI agent, with its own email address and phone number, that chases what is missing whether or not anyone is logged in.
• Subcontractors never pay. Not to register, not to upload, not to sign. Unlimited vendors on every plan, and integrations with the project management, accounting and ERP systems you run, each worked out with you, case by case.

Considerations

• It is a contract operations system, not a certificate-only tool. If the COI is the only document you collect from subs, a certificate-first tool is a smaller purchase.
• Foundation, from $416 a month, collects vendor documents with reminders, review and filing. COI tracking against project requirements is a Core feature, and Core is priced through a sales call.

Billy

Billy is a construction-built compliance tracker that collects and verifies certificates of insurance, W-9s and business licenses, sold two ways: a self-service plan your team runs, and a managed plan where Billy’s team does the review. It is one of the deepest Procore integrations in the category, with a side panel that runs inside Procore and a sync that moves project and vendor data across with no re-keying.

Strengths

• The AI Review Assistant reads the uploaded certificate and flags missing endorsements (CG 20 10, CG 20 37, waiver of subrogation, primary and noncontributory), incorrect limits, expired policies and missing additional insured language. The vendor sees what needs to change, why it matters and how to fix it before the certificate reaches you.
• Vendors and their brokers upload with no login. The integrations list is long for this category: Procore and the Procore Side Panel, Autodesk, CMiC, DocuSign, Sage 300, Sage Intacct, JD Edwards, Viewpoint Vista, Trimble ProjectSight and Acumatica.
• On the managed plan, a CRIS-certified team reviews each certificate and endorsement, including primary and noncontributory clauses, waiver of subrogation and additional insured status on completed operations.

Considerations

• Pricing is not published. Billy’s own comparison articles describe the model as consultative, based on vendor volume and service level.
• Billy tracks the certificate, the W-9 and the license. The subcontract, the pay application and the lien waiver live in your other systems.

Compared directly: Contracts Connected vs Billy.

Jones

Jones describes itself as insurance compliance at scale for the built world, serving commercial real estate owners and operators, property managers, and construction general contractors. It collects COIs and policy documents, verifies coverage against your requirements, handles the email exchanges with vendors and tells them where the gaps are.

Strengths

• Review is automated by AI Agents and verified by people. Jones pairs its software with what it calls hundreds of seasoned insurance specialists, so the flag you see has been checked before you act on it.
• The Jones Network holds 10,000+ pre-populated insurance certificates, documents and contacts, which shortens onboarding when a vendor is already in the network.
• Jones Operator is a concierge layer on top of the platform: human follow-ups for nonresponsive vendors, expert review with a fast SLA, managed gap resolution, and operator-led waivers and overrides. Integrations run in both directions with Procore, CMiC, Vista Viewpoint, Sage 300, Sage Intacct, Yardi Voyager, MRI and Prism.

Considerations

• Pricing is per record, per year, and no figures are published.
• Commercial real estate is half of Jones’s market, so the product speaks about tenants and properties as fluently as projects and subs. A GC should ask to see project-level requirements in the demo.

illumend

illumend is the new name for myCOI. The company says it is trained on 16 years of compliance expertise from myCOI, and its FAQ tells former myCOI customers that everything they counted on is still there, now AI-guided and decided in real time. The AI engine is called Lumie.

Strengths

• Lumie reviews 100% of incoming certificates and endorsements automatically, line by line, against your contract or lease requirements. That is a real claim about coverage, not just about dates.
• The integration list is broad: Procore, Yardi, CMiC, Viewpoint, Sage, Salesforce and Origami Risk, plus a REST API that covers partner onboarding, document upload, extraction and compliance status.
• illumend serves construction, commercial real estate, retail, utilities, government, manufacturing and transportation, which means the requirement engine handles more contract shapes than a construction-only tool.

Considerations

• Pricing is not published. The site offers an ROI calculator and a demo instead.
• The rebrand is recent. When you search for reviews, look under both names.

Compared directly: Contracts Connected vs illumend (formerly myCOI).

TrustLayer

TrustLayer positions itself as third-party risk management powered by AI, from vendor onboarding through COI tracking to preparing data for litigation. It serves construction alongside real estate, retail, distribution, finance, lending and insurance, and it sells to brokers and carriers as well as to the companies that hire vendors.

Strengths

• TrustLayer reads each COI, checks it against your standards and industry benchmarks, and flags gaps. The company says the tool learns from 400,000+ COIs a month.
• It tracks more than certificates: W-9s, business and professional licenses, drivers’ licenses, contracts and custom documents, with multiple compliance profiles that map to specific contract requirements. Vendors upload with no sign-in.
• The Starter plan is free up to 50 vendors and includes expiration and renewal management, messaging, basic reporting and AI document collection and classification. Its network lists 517,000+ companies.

Considerations

• Pro and Complete carry no published price. The FAQ says pricing varies with platform usage.
• Unlimited users and custom integrations arrive at the Complete tier. The named integrations are Procore, CMiC and Vista Viewpoint; everything else runs through the API.

Compared directly: Contracts Connected vs TrustLayer.

Certificial

Certificial takes a different route to the same problem. Instead of collecting a PDF and reading it, it connects to the insurance agency’s management system so the certificate updates itself when coverage changes. The company calls this a Smart COI and sells the platform to requestors, agencies and insureds at once.

Strengths

• Smart COIs update automatically when policy limits or endorsements change, and you receive an alert when coverage changes. That closes the gap between what the certificate said in January and what the policy says in June.
• It is free for insureds, agents and brokers, and free for requestors tracking up to five suppliers. Requestor Professional starts at $99 a month with unlimited users per company. Applied Systems and Certificial offer a free plugin for Applied Epic and CSR24 users.
• The company reports 100,000+ companies and 25,000+ agencies on the platform.

Considerations

• No AI feature is named on the site. The model depends on the sub’s agent participating; a certificate from an unconnected agency is still a document to review.
• The published integrations are agency management systems, not construction project management or accounting.

bcs

bcs is the one tool on this list that publishes a price at every tier, and it serves property managers, general contractors, risk managers and procurement teams across real estate, construction, hospitality, manufacturing, logistics, government and education. It sells both software-only and full-service plans.

Strengths

• Pricing is on the site. Free for up to 25 vendors with no credit card. Self-Service at $0.95 per vendor per month, or $11.40 per vendor per year. Full-Service at $17.80 per vendor per year with a $10,000 annual minimum.
• RiskBot AI extraction, automated COI requests and automated deficiency notices are on the free tier. Full-Service adds a compliance analyst team, professional document review, corrective action on deficiencies and proactive renewal outreach.
• It tracks multiple COIs per vendor with different requirements per project or location, and it integrates with Procore, Yardi and MRI.

Considerations

• Integrations are an add-on on Self-Service, priced at $2 per vendor per year, and Full-Service starts at a $10,000 annual commitment.
• Construction is one of seven industries served. The workflow language covers vendors and tenants, not subcontracts and pay applications.

Constrafor

Constrafor is a procurement and payments platform for general contractors with a COI module inside it. The same platform runs subcontractor prequalification, invoice management and an Early Pay financing program for subs, and the company reports a 40,000+ contractor network.

Strengths

• COI requests and reminders run through the platform, and a feature called Insurance CoPilot reads the certificate with AI, described on the site as having ChatGPT built in. Optional third-party review is available, where Constrafor works with brokers and your team.
• The dashboard tracks limits, additional insured designations, endorsement numbers, blanket COIs across projects and subcontractor compliance per project.
• Integrations named are Procore, Viewpoint Vista, Autodesk Construction Cloud, Sage 300 and CMiC. Prequalification is free for subcontractors.

Considerations

• Pricing for general contractors is not published. The pricing page on the site covers subcontractor financing.
• The COI module comes with the procurement platform rather than standing alone. If you want only a certificate tracker, you are evaluating a larger system.

How to choose

Start with what the sub owes you, not with the certificate. If the answer is a COI and nothing else, pick a certificate-first tool and decide whether your team or theirs does the review. bcs and TrustLayer let you start free and see the reading quality on your own certificates. Billy and Jones are the choice if you want a managed team, and Billy’s Procore side panel matters if your project team lives there. illumend fits a team that wants endorsements read line by line and a long integration list. If you’re weighing all of this against what Procore already does, start with Procore alternatives for contracts and compliance.

If the answer is a COI, a W-9, a license, a bond, a signed subcontract, a lien waiver with every pay app and certified payroll every week on federal work, the certificate is not the problem. The chain is. That is what Contracts Connected is built for, and it is why we put it first for general contractors rather than for property managers.

One more test that separates the tools quickly: ask each vendor to show you a sub whose certificate is current but whose waiver is missing, and ask what the system says about paying them.

How we evaluated

We visited each vendor’s own website on September 19, 2026 and recorded what it says about who the product is for, the AI it names, the integrations it names, the pricing it publishes and the feature that sets it apart. Where a page did not answer a question, we wrote “not published” or left it out. We did not use review sites, analyst reports or third-party comparisons, and no vendor paid to be listed. Contracts Connected is our product, so we held it to the same format and listed its considerations alongside everyone else’s. Written by Lars Herman. Our co-founder ran a large federal general contracting firm for 15 years, about 100,000 documents a year.

What is the best COI tracking software for general contractors?

Contracts Connected, if you collect the certificate alongside the subcontract, payroll and waivers. Billy, Jones, illumend, TrustLayer and bcs lead among certificate-first tools.

What should COI tracking software check besides the expiration date?

Limits against the subcontract, additional insured status, the endorsement behind it, waiver of subrogation, primary and noncontributory wording, and that the certificate matches the project.

Does a certificate of insurance prove a subcontractor is covered?

No. The ACORD 25 is issued for information only and does not amend the policy. Additional insured status comes from the endorsement itself.

Which COI tracking tools publish their pricing?

bcs, Certificial and Contracts Connected publish starting prices. Billy, Jones, illumend, TrustLayer and Constrafor quote through sales, though TrustLayer’s starter tier is free.

Which COI tracking tools integrate with Procore?

Billy, Jones, illumend, TrustLayer, bcs and Constrafor name Procore, and Billy also offers a Procore side panel. Certificial’s published integrations are agency management systems. Contracts Connected works out a Procore integration with each customer, case by case.

Do subcontractors have to pay to upload a COI?

Not where it is published. Contracts Connected states subcontractors never pay to register, upload or sign. Certificial is free for the insured and their insurance agent.

What is the difference between self-service and managed COI tracking?

Self-service means your team reviews what the software flags. Managed means the vendor’s analysts review and chase brokers. Billy, Jones and bcs sell both.

How does AI COI review actually work?

The software reads the ACORD 25 and endorsements, compares limits and wording to your requirements, and flags gaps. You set the requirements it checks.

Do I need COI tracking software if I already use Procore?

Procore is where the project runs. Most tools on this list integrate with it because reading endorsements and chasing brokers is a separate job.

What happened to myCOI?

myCOI now operates as illumend. Its site says everything from myCOI is still there, with an AI engine called Lumie reviewing certificates and endorsements.

Should COIs be tracked with lien waivers and certified payroll?

Yes, when the same sub owes all three. Whether a sub can be paid depends on the certificate, the waiver and, on prevailing wage jobs, payroll.

Which platforms support multi-entity COI management?

Contracts Connected’s Max plan runs unlimited entities under one roof, with office-level access, and ties each certificate to that vendor’s subcontract and project. Max is priced on a call. bcs tracks different requirements per project or location, and TrustLayer runs multiple compliance profiles.

Which platforms keep an audit-ready trail of COI changes?

Contracts Connected logs every action in an exportable activity log with the date, user and project, and every AI read of a certificate with its result and the decision a person made.

Can COI tracking software follow certificates to lower-tier subs?

Contracts Connected tracks the certificates your direct vendors owe you, each tied to that vendor’s subcontract and project. A tier-by-tier view of your subs’ own subs isn’t built in today.

Can COI tracking software chase subcontractors for expired certificates?

Yes. Contracts Connected’s vendor portal reminds vendors Monday and Wednesday mornings until the certificate is in. The AI agent re-requests it until a compliant one is in, and every message is logged. The agent is in beta: you can join the beta or the wait list.

See it read a COI against your requirements

Read how COI tracking works inside Contracts Connected, then book a demo. Setup is three 30-minute meetings, on your templates, with the person who will run it.