TL;DR. SmartCompliance is certificate of insurance tracking software for commercial and insurance professionals across 21 industries, sold as Self-Service or as a Full-Service offering run by its own insurance professionals, and it also issues certificates to certificate holders. Contracts Connected is built only for construction: it sends the subcontract, collects every document the vendor owes against it, and shows who can mobilize and who can be paid. Pick SmartCompliance if insurance certificates are the whole job, or you want a team to run them; pick Contracts Connected if the certificate is one line on a contract package.
Every fact about SmartCompliance below comes from SmartCompliance’s own website and blog, read on November 9, 2026. We found no public help center. Contracts Connected is our product. We say where SmartCompliance is the better choice, and we hold our own product to the same standard.
At a glance
| Contracts Connected | SmartCompliance | |
|---|---|---|
| Built for | Construction: general contractors and the teams that send contracts to vendors | Commercial and insurance professionals: brokers, carriers, general contractors, risk managers, self-insureds and TPAs, across 21 industries |
| What it collects | COI, W-9, license, bonds, lien waivers, weekly certified payroll on prevailing wage jobs, closeout documents | Certificates of insurance, endorsements and proof of insurance; franchise disclosure documents; custom documents such as W-9s. Lien waivers and certified payroll not found on their site as of November 9, 2026 |
| How a COI gets read | With AI on, the AI reads each certificate and its endorsement pages against the project’s insurance requirements and recommends accept or reject; your team decides | OCR reads the certificate and compares it to your risk templates. On Self-Service, SmartCompliance recommends a person check the OCR output; on Full-Service, its insurance professionals review and follow up with vendors |
| Contracts | Built on your own templates, approved inside, sent as one package, redlined and e-signed inside | Tracks active and inactive contracts as data for certificate issuance; e-signature, contract drafting and redlining not found on their site as of November 9, 2026 |
| Vendor side | Vendors set up a free account from the link in their email and never pay | Vendors upload through a portal branded for your company, from emailed links, and their insurance agent can submit too. Whether vendors need a login or pay is not stated on their site |
| AI | Optional: no AI, or AI COI Review that reads and recommends. The AI agent that chases vendors is in beta with a wait list | Its FAQ says it tracks and collects certificates “using artificial intelligence,” and its named technology is OCR. No named AI product or agent found on their site |
| Integrations | Project management, accounting and ERP systems, worked out with each customer, case by case | Procore (announced December 2021), BILL, FranConnect, single sign-on with Azure AD and Okta, and an API with details on request. Sage, Viewpoint and QuickBooks not found as SmartCompliance integrations |
| Pricing (as published) | Foundation from $416 a month; Core and Max quoted | Not published on their site. A 2023 post on its blog describes vendors sold in blocks of 250. A 30-day refund guarantee covers both service levels |
Where SmartCompliance is the better pick
- You want a team to run it. On Full-Service, SmartCompliance’s insurance professionals handle setup, collection, compliance review, tracking and reporting, and follow up with vendors who fall short.
- You issue certificates as well as collect them. SmartCompliance has a separate product that creates and sends certificates of insurance to holders, which matters to carriers, TPAs, self-insureds and brokers.
- You want compliance connected to Procore today. SmartCompliance announced its Procore integration in December 2021; it syncs contractor databases and compliance statuses.
- You track insurance outside construction. SmartCompliance serves 21 industries, from property management and healthcare to franchises, where it connects to FranConnect and tracks franchise disclosure documents.
Where Contracts Connected is the better pick
- The certificate belongs to a contract. In Contracts Connected the insurance requirement comes from the project, the certificate is tied to the vendor’s subcontract, and an expired COI keeps that vendor from being cleared to mobilize.
- You collect more than insurance. Lien waivers with every pay application and weekly certified payroll on prevailing wage jobs live in the same vendor file as the COI. We didn’t find either on SmartCompliance’s site.
- You send the contract, not only track it. We didn’t find e-signature, contract drafting or redlining on SmartCompliance’s site. In Contracts Connected, contracts are built on your own templates with the project’s data entered once, routed through your approvals, sent as one package, redlined and signed inside.
- You want a starting price up front. Foundation starts at $416 a month with unlimited vendors. SmartCompliance doesn’t publish prices, and the one unit its blog describes is a block of 250 vendors.
What they share
Both read the certificate against your insurance requirements instead of only watching the expiration date, and both look past the first page: SmartCompliance’s rules can flag a missing additional insured, waiver of subrogation or primary and non-contributory endorsement. Both send vendors automatic reminders, and both let vendors upload from a link in an email. If you’re comparing the wider field of certificate tools, our COI tracking software guide covers eight of them.
How we compared
We read SmartCompliance’s home, about, FAQ, features, integrations, Self-Service and Full-Service, certificate issuance, general contractor, broker, carrier, risk manager, self-insured and TPA pages, its case studies and refund guarantee, and 41 of its blog posts on product topics, on November 9, 2026. We found no public help center or product documentation, and its pricing page returns “Page Not Found.” Blog posts carry their own dates, and we used them only where they describe SmartCompliance itself, not general buying checklists. Where SmartCompliance’s site didn’t mention a feature, we wrote “not found on their site” rather than claiming it doesn’t exist. We didn’t use review sites or other vendors’ comparison pages. Our co-founder ran a large federal general contracting firm for 15 years, about 100,000 documents a year.
Frequently asked questions
Is SmartCompliance built for construction?
SmartCompliance serves commercial and insurance professionals across 21 industries, and construction is one of them. Its general contractor pages say it manages documents “down through multiple tiers of subcontractors” and checks limits against project-specific requirements. Contracts Connected is built only for construction contracts and the documents behind them.
Does SmartCompliance use AI to review a COI?
Its FAQ says SmartCompliance tracks and collects certificates using artificial intelligence, and the technology it names is OCR, which reads the certificate and compares it to your risk templates. On Self-Service it recommends that a person review the OCR output; on Full-Service its own team takes over that step. In Contracts Connected, AI is optional: the AI reads and recommends, and your own team accepts or rejects.
Does SmartCompliance track lien waivers and certified payroll?
We didn’t find lien waivers or certified payroll on SmartCompliance’s site as of November 9, 2026. Contracts Connected collects both, in the same vendor file as the certificate of insurance.
Can SmartCompliance send subcontracts for signature?
We didn’t find e-signature, contract drafting or redlining on SmartCompliance’s site. It tracks active and inactive contracts as data so the right certificates go out from its issuance product. In Contracts Connected the subcontract is built on your template, approved, sent and signed inside the same system.
Does SmartCompliance integrate with Procore?
Yes. SmartCompliance announced a Procore integration in December 2021 that syncs contractor databases and compliance statuses. Its integrations page also lists BILL, FranConnect, single sign-on with Azure AD and Okta, and an API whose details it shares on request. Contracts Connected works out each integration with the customer, case by case, for the project management and accounting systems they run.
How much does SmartCompliance cost?
SmartCompliance doesn’t publish prices on its site, and its pricing page returns “Page Not Found.” A September 2023 post on its blog describes vendors added in increments of 250 for an additional cost, and a 30-day refund guarantee covers both Self-Service and Full-Service. Confirm the current price with SmartCompliance. Contracts Connected’s Foundation plan starts at $416 a month with unlimited vendors; see pricing.
Who owns SmartCompliance?
A banner on every page of SmartCompliance’s site says it “is now part of” Terra, with a link to Terra’s site; its site gives no further detail. Its About page says JBKnowledge built the software after a custom project in 2010. The legal name on its privacy policy is SmartCompliance, Inc., in College Station, Texas.
Do vendors need an account?
SmartCompliance’s site says vendors upload through a portal branded for your company, from links in its emails, and that both the vendor and its insurance agent can submit. It doesn’t say whether vendors need a login or whether they pay. Contracts Connected vendors set up a free account from the link in their email and never pay, not to register, not to upload, not to sign.
See it on your own templates
Read how the AI reviews a COI inside Contracts Connected, then book a demo. Setup is three 30-minute meetings, on your templates, with the person who will run it.