Best COI Tracking Software in 2026
TrustLayer, Jones, illumend (myCOI), PINS, Evident and Certificial compared for certificate of insurance tracking, with published prices and integrations.
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What is the best COI tracking software?
Updated Oct 27, 2026 · ranked by fitTrustLayer ranks first of the 6 tools we compared: best free place to start. It has a free plan. Jones and illumend (myCOI) follow.
| # | Tool | Best for | Pricing | Security | Vendor site |
|---|---|---|---|---|---|
| 1 | TrustLayerSelf-serve COI tracking with a free tier | Best free place to start | Free to startFree tier, then quoted plans | SOC 2 not confirmed | Visit site of TrustLayer (opens in a new tab) |
| 2 | JonesCOI software with managed service option | Contractors and property managers who want follow-up handled | Quote onlyPer record, per year | SOC 2 not confirmed | Visit site of Jones (opens in a new tab) |
| 3 | illumend (myCOI)AI-run COI review | AI review of endorsements | Quote onlyQuoted | SOC 2 not confirmed | Visit site of illumend (myCOI) (opens in a new tab) |
| 4 | PINSCOI tracking priced by active certificates | Best published price for mid-size programs | From $300Monthly or annual, by active COIs | SOC 2 not confirmed | Visit site of PINS (opens in a new tab) |
| 5 | EvidentPer-vendor COI verification | Best per-vendor pricing | From $15Per vendor, billed annually | SOC 2 Type II | Visit site of Evident (opens in a new tab) |
| 6 | CertificialCOI network for issuers and trackers | Agencies that issue certificates | Free to startFree tiers, then monthly plans | SOC 2 not confirmed | Visit site of Certificial (opens in a new tab) |
TL;DR
- COI tracking software collects certificates of insurance from vendors, subcontractors and tenants, checks them against your contract requirements, and chases renewals before coverage lapses.
- TrustLayer is the easiest place to start: its Starter plan is free for up to 50 vendors, and paid plans add Procore, CMiC and Vista Viewpoint integrations.
- Published prices: Evident lists $15 and $25 per vendor per year, PINS says plans start around $300 a month with most annual contracts at $7,500 or less, and Certificial's paid plan starts at $99 a month.
- Jones and illumend (myCOI's product) quote on request. Jones prices per record per year and sells a managed service, Jones Operator, that chases vendors for you.
- Agencies that issue certificates rather than track them can use Certificial free as an agent or broker.
A certificate of insurance, usually an ACORD 25, shows that a vendor or subcontractor carries the coverage your contract requires. A spreadsheet gets hard to keep current as the vendor list grows, because each certificate has several policies, each policy expires on its own date, and the wording that matters (additional insured, waiver of subrogation, primary and non-contributory) often sits in an endorsement rather than on the certificate itself. The tools below automate the requests, the review and the renewal chase. They differ most in how they charge and in how much of the follow-up they do for you.
How do COI tracking tools differ?
| Shape | What it focuses on | Tools in this list |
|---|---|---|
| Self-serve software with a free tier | Your team runs the program; software collects, reads and flags | TrustLayer, Certificial |
| Software plus a managed service | Software, with an optional team that chases vendors and resolves gaps | Jones, Evident |
| AI-led review | Software makes the first compliance decision on each COI and endorsement | illumend (myCOI), PINS |
Pricing models vary just as much. Evident charges per vendor, Jones per record per year, PINS by how many certificates you actively track, and Certificial and TrustLayer start free and then move to monthly or quoted plans.
The best COI tracking software for 2026
1. TrustLayer: Best free place to start
Free to startFull profile →Visit site of TrustLayer (opens in a new tab)
Best for: Teams that want to start COI tracking at no cost and grow into Procore, CMiC or Vista Viewpoint integrations.
TrustLayer reads each certificate with AI, checks it against your standards and flags missing coverage. Its plans page lists BI reporting, integrations with Procore, CMiC and Vista Viewpoint, and white-glove onboarding on Pro (source).
Key functionalities
- Automated document collection and classification
- Expiration and renewal tracking with reminder emails
- Messaging and collaboration with vendors and brokers
- AI smart requirements and W-9 extraction on Pro
- Custom BI reports and a dedicated account manager on Complete
Pros:
- Starter plan free for up to 50 vendors
- Vendors upload without creating an account
- Pro adds AI smart requirements and W-9 extraction
Cons:
- Pro and Complete prices are not published
- Construction integrations start on Pro
- Unlimited users only listed on Complete
Pricing: Starter free up to 50 vendors; Pro and Complete quoted. (source)
Verdict: The lowest-risk way to replace a COI spreadsheet. Ask for Pro pricing early if you track more than 50 vendors.
2. Jones: Best for contractors and property managers who want follow-up handled
Quote onlyFull profile →Visit site of Jones (opens in a new tab)
Best for: General contractors, property managers and owners who want per-record pricing and the option to hand vendor follow-up to a service team.
Jones pairs AI-assisted review with human verification. Its Policy Review module collects and reviews full policies, which matters when the certificate alone doesn’t show endorsement wording (source).
Key functionalities
- Automated COI and policy intake with reminders until documents arrive
- Compliance gap detection and workflows
- Waivers and overrides, with an audit trail
- Bi-directional integrations with construction and property systems
- Jones Operator: human follow-ups with nonresponsive vendors
Pros:
- Priced per record per year with unlimited COIs and lease extractions
- Jones Operator add-on runs follow-ups and gap resolution
- Integrations with Procore, MRI, Yardi Voyager, CMiC, Vista and Sage
Cons:
- No dollar amounts published
- Built for construction and real estate rather than general vendor programs
- Operator is an extra cost on top of the platform
Pricing: Per record, per year; quoted. No per-document fees and no charge to vendors. (source)
Verdict: A strong fit when chasing vendors is the real bottleneck. Get the per-record rate in writing for your portfolio size.
3. illumend (myCOI): Best for AI review of endorsements
Quote onlyFull profile →Visit site of illumend (myCOI) (opens in a new tab)
Best for: Companies that want software to read certificates and endorsements against each contract and make the first compliance call.
illumend is myCOI’s COI tracking product; the old mycoitracking.com address now redirects to it. The company says its AI, Lumie, sends vendors the exact requirements, reviews each document and runs renewals, with people handling edge cases (source).
Key functionalities
- Requirement-specific outreach to vendors
- Line-by-line review of COIs and endorsements
- Compliance decisions with exceptions surfaced to your team
- Automated renewals
Pros:
- Reads additional insured, waiver of subrogation and primary and non-contributory wording against contract requirements, per the vendor
- Built on myCOI's COI tracking business
- Integrations with Procore, Viewpoint, CMiC and Yardi
Cons:
- Pricing not published
- Your team still needs to spot-check AI compliance decisions
- Fewer integrations listed than Jones
Pricing: Not published; quoted by sales.
Verdict: Worth a demo if endorsement review eats most of your time. Test it on your hardest certificates, not your cleanest.
4. PINS: Best published price for mid-size programs
From $300Full profile →Visit site of PINS (opens in a new tab)
Best for: Contractors, public agencies and property managers who want a published starting price and no per-user charges.
PINS prices by how many certificates you track at one time, so a program with 150 active subcontractors pays less than one with 1,500 (source).
Key functionalities
- AI reads contracts and drafts insurance requirements for review
- Upload link for vendors and brokers, no login
- AI-assisted COI and endorsement review that shows its reasoning
- Expiration and renewal notices by policy
- Approvals, waivers, exceptions and exportable audit history
Pros:
- Plans start around $300 a month; most annual contracts $7,500 or less
- Unlimited users, every feature and onboarding on every plan
- Procore integration included
Cons:
- Exact price depends on active COIs and needs a quote
- Vista integration costs extra
- No free tier
Pricing: From around $300 per month; most annual contracts $7,500 or less; priced by active COIs. (source)
Verdict: Clear pricing for a team tracking a few hundred certificates. Confirm which tier your active COI count falls into.
5. Evident: Best per-vendor pricing
From $15 · SOC 2 Type IIFull profile →Visit site of Evident (opens in a new tab)
Best for: Companies with hundreds of vendors that want a per-vendor rate and may add background, MVR or license checks later.
Evident verifies insurance against your requirements and, on Pro, collects contracts, W-9s and business registrations. Enterprise adds hold harmless agreements, permits and contract risk assessment (source).
Key functionalities
- Branded vendor portal with unlimited users and documents
- Basic risk profile recommendations on Essential
- Endorsement and collateral verification on Pro
- Role-based permissions and a customer success manager on Pro
- Managed services for vendor outreach, as an add-on
Pros:
- $15 or $25 per vendor per year, published
- SOC 2 Type 2 listed on every plan
- Add-ons for background, MVR and credential checks
Cons:
- Essential is listed for 200 to 1,000 vendors, so small programs pay for more than they need
- Endorsement review requires Pro
- API and SSO only on Enterprise
Pricing: Essential $15 per vendor, Pro $25 per vendor, billed annually; Enterprise custom. (source)
Verdict: Simple math for large vendor programs. Small programs should compare against PINS and TrustLayer first.
6. Certificial: Best for agencies that issue certificates
Free to startFull profile →Visit site of Certificial (opens in a new tab)
Best for: Insurance agencies and brokers that issue COIs for clients, and small companies tracking a few suppliers.
Certificial lets agents and brokers issue certificates and offer self-service COIs to clients, while companies on the other side track their suppliers in the same network (source).
Key functionalities
- COI issuance and request responses for agents and brokers
- Self-service certificates for agency clients
- Supplier COI tracking for requestors
- Insurance tracking and COI issuance APIs
Pros:
- Free for insureds, agents and brokers
- Requestor Basic free for up to 5 suppliers
- Requestor Professional from $99 a month with unlimited users
Cons:
- Enterprise pricing not published
- Value depends on how many of your vendors' agents join the network
- Fewer construction-system integrations listed than Jones or TrustLayer
Pricing: Free for insureds, agents and brokers; Requestor Basic free (5 suppliers); Requestor Professional from $99 per month; Enterprise by contact. (source)
Verdict: The natural pick for an agency's side of the COI process. Companies tracking hundreds of suppliers should compare it with the tools above.
How do these tools compare side by side?
| Tool | Approach | Pricing | Security | Integrations | Pricing model |
|---|---|---|---|---|---|
| 1TrustLayer | Self-serve COI tracking with a free tier | Free to start | SOC 2 not confirmed by us | Procore, CMiC, Vista Viewpoint | Free to 50 vendors, then quoted |
| 2Jones | COI software with managed service option | Quote only | SOC 2 not confirmed by us | Procore, MRI Software, CMiC, Yardi Voyager | Per record, per year |
| 3illumend (myCOI) | AI-run COI review | Quote only | SOC 2 not confirmed by us | Procore, Viewpoint, CMiC, Yardi | Quoted |
| 4PINS | COI tracking priced by active certificates | From $300 | SOC 2 not confirmed by us | Procore (included), Vista (added fee) | By active COIs |
| 5Evident | Per-vendor COI verification | From $15 | SOC 2 Type II | — | Per vendor, per year |
| 6Certificial | COI network for issuers and trackers | Free to start | SOC 2 not confirmed by us | — | Free tiers, then monthly |
Which COI tracking tool fits your team?
- You track fewer than 50 vendors: TrustLayer’s free Starter plan.
- You’re a general contractor on Procore and short on staff: Jones with Jones Operator, or PINS with Procore included.
- Endorsement wording is where you get burned: illumend, Jones Policy Review or Evident Pro.
- You have hundreds of vendors and want to budget per vendor: Evident.
- You’re an agency issuing certificates for clients: Certificial, free for agents and brokers.
- You’re building COI checks into your own software: an extraction API that reads ACORD 25 forms, from our ACORD form extraction guide.
Conclusion: pick by who will chase the vendors
All six collect certificates, flag gaps and send renewal requests. They differ most in who follows up when a vendor sends the wrong certificate or lets a policy lapse. If your team will do it, start with TrustLayer, PINS or Evident. If nobody has time, price Jones Operator or Evident’s managed services against the hours you would spend.
How did we choose these tools?
The order is our editorial judgment of fit for the job this guide covers, not a test score. Prices appear only where the vendor publishes them or a cited source reports them; otherwise we name the pricing model and mark it "Quote only." SOC 2 status comes from each vendor's trust or security pages. These profiles are desk research: we have not run the products on real files. Full methodology.
FAQs
What is COI tracking software?
COI tracking software requests certificates of insurance from the vendors, subcontractors or tenants you work with, reads each certificate, compares the coverage with the requirements in your contract and alerts you to gaps and expirations. Most tools also send automatic renewal requests and keep an audit trail.
How much does COI tracking software cost?
Published prices vary by pricing model. Evident charges $15 or $25 per vendor per year. PINS says plans start around $300 a month and most annual contracts are $7,500 or less. Certificial's Requestor Professional plan starts at $99 a month, and TrustLayer is free for up to 50 vendors. Jones and illumend quote on request.
Is there free COI tracking software?
Yes. TrustLayer's Starter plan is free for up to 50 vendors, and Certificial's Requestor Basic plan is free for up to 5 suppliers. Certificial is also free for insureds, agents and brokers who issue certificates.
Can COI tracking software read endorsements, not just the ACORD 25?
Several can. Evident's Pro plan verifies endorsements and collateral, illumend says it reads every endorsement line by line against the contract, PINS checks COIs and endorsements against your requirements, and Jones offers a Policy Review module that collects and reviews full policies.
Which COI tracking tools integrate with Procore?
TrustLayer (Pro and Complete plans), Jones, illumend and PINS all list Procore integrations. PINS includes Procore at no extra cost and charges extra for Vista.
Should we track COIs in-house or use a managed service?
If your team has time to follow up with vendors, self-serve software is cheaper. If follow-up is the bottleneck, Jones Operator is an add-on team that contacts nonresponsive vendors and resolves gaps, and Evident sells managed services with its Pro and Custom packages.
Do vendors or subcontractors have to pay or create an account?
Usually not. Jones says it never charges vendors or subcontractors to submit documents. TrustLayer and PINS let vendors upload without signing in.