Best Subcontractor COI Tracking Software for General Contractors (2026)
For most general contractors, Billy is the best dedicated subcontractor COI tracker: subs and their brokers upload without an account, and its AI flags missing additional insured and waiver wording. ExpiryEdge is the pick if you want one inexpensive system for certificates, licences, W-9s and signed agreements, with a price you can see before you call anyone.
The rest suit narrower needs. illumend (the AI product from myCOI) and TrustLayer suit larger compliance teams. Jones and BCS sell a managed service on top of the software, and Constrafor publishes pricing by construction volume.
We make ExpiryEdge. Everything else below comes from each vendor's own site or help pages, checked on 30 October 2026, and is linked so you can check it.
Subcontractor COI trackers compared
| Tool | Sub uploads without login | Reads endorsements | Done-for-you review | Published pricing |
|---|---|---|---|---|
| Billy | Yes | Yes, AI flags CG 20 10, CG 20 37, waiver, primary wording | Managed services plan | No, by sub volume |
| ExpiryEdge | Yes | Reads dates; your reviewer checks wording | No | $29 to $199 a month |
| illumend (myCOI) | Not stated on its site | Yes, AI reads each endorsement | Optional human oversight | No |
| TrustLayer | Not stated | Not stated | TrustLayer+ managed service | Free up to 50 vendors, then $10 per vendor a month |
| Jones | Yes | Yes, AI plus specialists | Jones Operator concierge | No, per record per year |
| BCS | Yes | Yes, plus full policy review | Full-service plan | $0.95 per vendor a month for software |
| Constrafor | Not stated | AI review of documents | Optional third-party review | From $13,500 a year |
What a COI tracker has to do for a GC
A certificate of insurance is a snapshot. The Wisconsin insurance regulator puts it plainly: a certificate doesn't amend, extend or alter the policy behind it. So a tracker earns its fee in three places.
First, collection. A sub's office manager forwards your request to their broker, and the broker issues the certificate. Any login in that chain slows it down.
Second, the review. Your subcontract probably requires additional insured status on the sub's general liability, often through ISO forms CG 20 10 for ongoing work and CG 20 37 for completed operations. The Insurance Journal's explainer on construction endorsements covers why those two forms differ. A tick in the "ADDL INSD" box on an ACORD 25 doesn't prove either one exists.
Third, the renewal. Policies renew on the sub's schedule, not yours, so the tracker has to ask again before each one lapses and tell someone when it doesn't arrive.
A renewal schedule most GCs can run, whichever tool they pick1. Billy: best dedicated COI tracker for construction
Billy is built for general contractors. Its GC page says subs and their brokers can upload certificates without creating an account or logging in, and you can set additional insured and endorsement requirements per project.
The AI Review Assistant checks limits and flags a missing CG 20 10, CG 20 37, waiver of subrogation or primary and non-contributory wording. It also collects W-9s and business licences. Integrations listed include Procore, Sage 300, Sage Intacct, CMiC and Viewpoint Vista.
Pricing: not published. Billy says pricing depends on subcontractor volume and the plan you choose.
Watch out for: you'll need a sales call to get a number, and Billy covers insurance and prequal, not wider document collection such as NDAs or site forms.
2. ExpiryEdge: best for COIs plus everything else a sub owes you
ExpiryEdge treats a certificate as one of several dated documents on a subcontractor's record. You send the sub (or their broker) a request link. They upload the certificate and endorsement pages, fill in any fields you ask for, and sign if you need a signature, all without an account.
ExpiryEdge reads the policy dates from the upload and sets reminders. Before each expiry it emails, texts or messages the sub on WhatsApp, and it can alert your team in Slack or Teams. Overdue items escalate to a manager. Your reviewer approves or rejects each field with a comment, and a rejected field reopens the same link so the sub fixes only that item.
It also tracks the sub's licence, W-9 and signed agreements in the same place. That suits a GC whose problem is the whole sub file going stale, not just the certificate.
Pricing: published on the pricing page. Plans run $29, $49, $99 or $199 a month, based on how many dated records you track, with a 14-day free trial and no credit card.
Watch out for: ExpiryEdge doesn't parse endorsement wording against your subcontract. A person on your team still decides whether the additional insured form is right. If you want software or a service to make that call, look at Billy, Jones or BCS.
3. illumend (from myCOI): best for AI-first review at scale
myCOI launched illumend in May 2025, and the old myCOI site now redirects to it. Its AI assistant, Lumie, reads each certificate and endorsement against your contract requirements and checks additional insureds, waiver of subrogation, primary wording and per-project aggregates, according to illumend's site.
Lumie escalates only what it can't resolve, and extra human oversight is sold as an add-on. Listed integrations include Procore, Viewpoint Vista, CMiC and Yardi Voyager. Pricing isn't published.
Watch out for: an AI-first model needs someone on your side to handle the exceptions it raises. Ask how many you should expect each week at your volume.
4. TrustLayer: best free starting point for a small vendor list
TrustLayer's Starter plan is free for up to 50 vendors, then $10 per additional vendor a month. It uses OCR and machine learning to read documents, and its FAQ says it tracks W-9s and business licences as well as COIs.
The Procore integration syncs COIs, W-9s, licences and surety bonds and shows compliance status inside Procore. TrustLayer+ adds review by licensed insurance professionals.
Watch out for: the pages we read didn't describe endorsement review in detail. Ask for a demo with one of your own deficient certificates.
5. Jones: best if you want a collection guarantee
Jones combines AI review with insurance specialists who check exclusions and endorsements. Vendors upload through no-login links, and integrations include Procore and MRI in both directions, plus CMiC, Sage and Vista, per getjones.com.
Its pricing page explains the model: priced per record per year, with unlimited COIs per record and no charge to vendors. The Jones Operator concierge plan sits on top of the platform. Jones raised a $15 million Series B in January 2025.
Watch out for: no published prices, and some integrations are paid add-ons.
6. BCS: best low per-vendor software price
BCS sells software and a fully managed service. Its services page lists software at $0.95 per vendor a month, free for up to 25 vendors, and describes review of endorsement pages and full policies. Vendors don't need to log in when its RiskBot agent requests a certificate.
Watch out for: the pricing page sets a $10,000 annual minimum for the full-service plan, which rules it out for many small GCs.
7. Constrafor: best published pricing for larger GCs
Constrafor's COI module uses an AI co-pilot to review documents, tracks additional insured status and supports wrap-up (OCIP and CCIP) programmes. It lists Procore, Autodesk, Sage, Vista and CMiC integrations.
Its pricing page is unusually open: $13,500 a year below $500 million of annual construction volume, rising to $40,000 a year up to $3 billion.
Watch out for: the entry price is far above what a small GC with 30 subs needs to spend.
ℹ️Already on Procore? Its directory stores insurance records you type in, and Procore Pay can hold a payment when a commitment isn't insurance compliant, per [Procore support](https://support.procore.com/products/online/procore-pay/tutorials/manage-the-insurance-compliance-status-of-a-commitment){nf}. It doesn't read certificates for you, which is why most of the tools above sell a Procore integration. PINS Advantage and Terra Compliance (formerly SmartCompliance) are two more options on the Procore marketplace.
How to choose in one afternoon
Count your active subs and how many certificates each one carries. A GC with 40 subs and four policies each is tracking 160 documents, and that number decides which pricing model is cheapest.
Then send the same three test certificates to each vendor on your shortlist: one clean, one with an expired umbrella, and one missing the CG 20 37. The tool that catches all three, and tells the sub clearly what to fix, is the one to buy.
Finally, decide where licences, W-9s and signed subcontracts will live. If the answer is "a separate spreadsheet", a tool that covers the whole sub file may save more time than a better insurance engine. Our COI and licence tracking system guide walks through setting one up, and the six COI checks before a sub mobilizes covers the review itself.
Frequently asked questions
Not with Billy, Jones, BCS or ExpiryEdge, which all use upload links. Ask any other vendor directly, because every extra login slows down the broker who issues the certificate.
Some can. Billy, illumend, Jones and BCS say their AI or reviewers read endorsement pages. Others only read the ACORD 25, and a tick in its additional insured box doesn't prove the endorsement exists.
Published prices range from free for small lists (TrustLayer up to 50 vendors, BCS up to 25) to $13,500 a year for Constrafor's entry tier. ExpiryEdge runs $29 to $199 a month. Billy, Jones and illumend quote on request.
Start about 90 days before the policy expires, because the sub's broker has to issue it. Follow up at 60 and 30 days, send a final notice at 7, and hold site access or payment on the expiry date if nothing arrives.
