For a construction company, the right COI tracking platform is the one that reads endorsement pages rather than the two checkboxes on an ACORD 25, tracks compliance per project as well as per subcontractor, and can hold a different requirement set for a roofer than for a landscaper. Almost every tool in this category reads a certificate and emails a reminder before it expires. The ones worth paying for tell you whether the subcontractor actually carries additional insured status for completed operations, which is the coverage that decides who pays when a claim arrives three years after closeout. Upload a subcontractor certificate above to see what gets pulled off it before you shortlist anything.
Last updated September 2026
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Every cell is taken from the vendor's own site or marked as not published. Nothing is estimated. Checked 2026-09-03.
| Platform | What it is for construction | Publishes a price? | Best for |
|---|---|---|---|
| COISoftware | Certificate and endorsement extraction with per-vendor rules and renewal reminders at 60, 30 and 15 days | Yes, transparent monthly plans, no per-vendor minimum | GCs and specialty contractors that want to run subcontractor COI tracking in-house |
| PINS Advantage | COI tracking with native integrations into both Procore and Viewpoint Vista, plus an agent portal for brokers | No, quote only across six volume bands | Construction teams already standardized on Procore or Vista |
| TrustLayer | Tracks COIs alongside W-9s, licenses and contracts, widely used in construction and real estate | Partly. A free Starter tier up to 50 vendors on trustlayer.io/plans; Pro and Complete carry no dollar figure and trustlayer.io/pricing returns 404 | Teams tracking several document types, not certificates alone |
| CertFocus (Vertikal RMS) | Managed certificate review by CIC, CPCU, CISR and CRIS credentialed staff | Yes, and it is the most complete published rate card in the category | Contractors that want credentialed insurance staff doing the review |
| BCS | Full-service collection and review built around large subcontractor programs | No, custom | Firms that want certificate processing handed off entirely |
| Highwire (now Veriforce) | Contractor prequalification for construction and capital projects, where insurance is one of four assessment areas alongside company, finance and safety | No figure, but it does run a pricing page and offers a client free trial | Owners and builders qualifying subs on financial and safety risk, not just insurance |
| ISNetworld (ISN) | Contractor prequalification network, strongest in oil and gas, chemical, utilities and heavy industrial | No | Owner clients that must qualify contractors on safety performance before site access |
| Avetta | Contractor prequalification network where insurance verification is one module | No. avetta.com/pricing returns 404 and the published plan names carry no figure | Large supply chains needing full prequalification rather than certificate tracking |
| myCOI (illumend) | Service-heavy COI tracking pairing an AI engine with a managed review team | No, quote based | Mid-market teams that would rather outsource review and vendor chasing |
| Certificial | Verifies coverage against live agency data through its Smart COI Network rather than a static PDF | Partly. Free to five suppliers, Professional from $99 per month | Teams that want real-time policy status rather than a document snapshot |
Verified on vendor sites in September 2026. Competitor pricing changes; confirm current figures directly with each vendor before you sign anything.
Six things are true on a construction job that are not true for a property manager or a procurement team, and they are the honest basis for comparing platforms.
A property manager tracks vendors against a building and a procurement team tracks suppliers against a contract. A GC has to track every subcontractor and every project that subcontractor touched, with the two joined. A platform that only holds one compliance status per vendor cannot answer the question that actually matters, which is whether that sub was compliant on the job where the loss happened.
CG 20 10 grants additional insured status while the subcontractor operations are ongoing, and paragraph B of the 04 13 edition ends that status once the work is complete or put to its intended use. The ACORD 25 has one ADDL INSD checkbox and it does not distinguish ongoing from completed operations. A tool that reads only the checkbox will call a sub compliant who has no coverage for you the day after closeout.
A general aggregate is shared across every job a subcontractor works that policy year. Without CG 25 03, a sub can exhaust the aggregate on somebody else’s project and still hand you a certificate showing the original limit. The certificate is accurate and useless.
A roofer, an electrician, a crane operator and a landscaper do not carry the same limits or the same endorsements. Storing one requirement set for all subs either over-collects from low-risk trades or under-protects on high-risk ones.
Subcontractor policies renew when they renew, but construction work concentrates. A platform that only emails the vendor is not enough when forty certificates lapse the same month you are trying to close a building.
They are not. A prequalification network charges the subcontractor to be verified and the hiring client to see the verification. A COI tracker charges you to track your own vendors. Construction is the one market where a buyer is realistically choosing between the two, and the two do different jobs.
Six differences that change the shortlist, each checked against the vendors themselves in September 2026.
Veriforce announced its acquisition of Highwire on 22 October 2025, joining the construction and capital-projects specialist to the contractor network behind ComplyWorks, CHAS and PEC. Highwire ran prequalification assessments on more than 60,000 contractors and is concentrated in construction, data centers, life sciences and semiconductors. If you shortlisted Highwire and Veriforce as two separate options, they are now one company, and that is worth raising in the quote conversation.
The ACORD 25 is a summary and it says so on its own face. The forms that decide whether you are covered are CG 20 10 for ongoing operations, CG 20 37 for completed operations, CG 25 03 for a per-project aggregate and CG 24 04 for a waiver of subrogation. Ask any platform you evaluate whether it reads the attached endorsement pages or only the ADDL INSD and SUBR WVD checkboxes. The answer separates the category.
The useful question is not whether a subcontractor is compliant today. It is whether that subcontractor was compliant on the project and during the period the work was performed, because that is what a claim years later will turn on. Look for a platform that keeps the historical certificate and the project it was collected against, not one that overwrites the record at each renewal.
CertFocus publishes the most complete rate card in the category. TrustLayer publishes a free tier ceiling but no paid figure. Certificial publishes a Professional entry rate. Highwire runs a pricing page that explains its model without naming a number. ISNetworld, Avetta, Veriforce, BCS and myCOI publish nothing. Knowing which is which before you book calls saves a fortnight.
If your project runs an OCIP or a CCIP, enrollment, payroll reporting and off-site coverage verification are wrap administration, a specialty service. COI tracking software can hold the certificates for work outside the wrap and record who is enrolled. It does not administer the wrap. Any vendor that tells you otherwise is selling you something it does not do.
If subcontractor records already live in Procore or Viewpoint Vista, a platform that writes compliance status back into that system removes a duplicate list. PINS Advantage is the one platform here with native integrations into both. That single fact decides more construction shortlists than feature grids do.
Five checks that settle this faster than any sales process will.
If you need to know that a sub carries the right limits and endorsements, you want COI tracking. If you also need to score their safety record, financial capacity and manpower before they bid, you want a prequalification platform such as Highwire, ISNetworld or Avetta, and you should expect the subcontractor to be charged to join. Answering this first eliminates half the shortlist.
The question is: does your platform read the attached endorsement forms, or does it read the ADDL INSD and SUBR WVD checkboxes on the ACORD 25? Ask for it in an email you keep. Certificate-only review is cheaper to build and most of the category does it.
Every demo uses a tidy ACORD 25. Take the messiest real subcontractor packet you have, a scanned certificate with three endorsement pages behind it and a description of operations box full of manuscript wording, and run that. The difference between platforms shows up on the ugly documents.
Get the count of subs you actually collect certificates from, including the ones who appear on one job a year. Published per-vendor rates with annual minimums behave very differently at 150 subs than at 1,500, and a vendor-paid model moves the cost onto your trade partners rather than removing it.
Ask how the platform handles a subcontractor whose work is finished but whose completed operations coverage still has to run for the length of your statute of repose. If the answer is that the vendor drops off the active list, you have found a gap.
The questions construction buyers actually search, answered directly.
The best COI tracking software for a construction company is the one that reads endorsement pages rather than certificate checkboxes, holds compliance per project as well as per subcontractor, and stores a separate requirement set per trade. If your subcontractor records already sit in Procore or Viewpoint Vista, integration usually outweighs feature count, and PINS Advantage is the only platform here with native connections to both. If you also need to score safety and financial risk before a sub bids, you are shopping for prequalification rather than certificate tracking, and that is a different product with a different payer.
They solve different problems. COI tracking answers whether a subcontractor carries the limits and endorsements your contract requires, and you pay for it. Prequalification answers whether the subcontractor should be allowed to bid at all, scoring safety history, financial capacity and manpower, and the subcontractor usually pays to be verified. Larger owners and builders often run both: prequalification at the bid stage, certificate tracking continuously through the job and past closeout. If insurance is the only document you chase, a prequalification network is heavier and slower than you need.
Collect the certificate and the endorsement pages together, check them against the requirement set for that trade, record the result against the project as well as the subcontractor, and re-verify at each policy renewal until the completed operations obligation expires. The step most programs skip is the last one. Subcontractor coverage obligations in construction usually outlive the job, so a tracking process that stops at substantial completion leaves the exposure it was built to close.
PINS Advantage publishes native integrations with both Procore and Viewpoint Vista, which is why it appears on so many construction shortlists. Several other platforms connect through file exchange, API or middleware rather than a native app, so the practical question to ask a vendor is whether compliance status is written back into Procore automatically or whether somebody re-keys it. Our own approach to keeping the two systems in step is covered on the COI tracking for Procore page.
Veriforce acquired Highwire, announced on 22 October 2025 from Houston and Boston. Highwire was a construction and capital-projects specialist in contractor prequalification and risk, and Veriforce is the global contractor network that also owns ComplyWorks, CHAS and PEC. Veriforce cited more than 3,200 hiring clients and 130,000 contractors at the time of the announcement. For a construction buyer this matters in one practical way: Highwire and Veriforce are no longer independent quotes to play against each other, so establish in writing which product line your quote covers and how the two roadmaps merge.
No, and that includes us. Wrap-up administration means enrollment, payroll reporting, audit and verifying the off-site coverage a wrap does not cover, and it is a specialty service run by brokers and dedicated wrap administrators. COI tracking software is useful alongside a wrap for the coverage that sits outside it, such as auto liability, workers compensation in some structures, and any subcontractor working off site. Treat a vendor claiming to administer your wrap as a warning sign.
Self-service platforms generally run about $3 to $10 per vendor per year and managed programs about $10 to $30, but only part of the category publishes anything. CertFocus publishes $6 to $8 per vendor per year on self-service with a $7,500 annual minimum, $13 to $29 on full service with a $10,000 minimum, and implementation of $3,500 to $4,800 on either tier. Certificial publishes a Professional plan from $99 per month and is free to five suppliers. TrustLayer publishes a free Starter tier up to 50 vendors with no figure above it. ISNetworld, Avetta, Veriforce, BCS, myCOI and PINS Advantage publish no price at all. Every published rate in the category sits side by side on the COI tracking software pricing comparison.
If you hire fewer than about twenty subcontractors and they are the same twenty every year, a disciplined spreadsheet and a calendar reminder genuinely works, and we would rather tell you that than sell you a subscription. The break point is not really vendor count, it is turnover and trade variety. Twenty steady subs with identical requirements is manageable by hand. Sixty subs across eleven trades, with new ones appearing on every job, is where manual tracking starts missing endorsements, and where the spreadsheet approach to COI tracking breaks down in a way that is measurable.
The best fit reads endorsement pages rather than the ACORD 25 checkboxes, tracks compliance per project as well as per subcontractor, and stores separate requirement sets per trade. If your records live in Procore or Viewpoint Vista, native integration usually matters more than feature count. If you need safety and financial scoring before a sub bids, you are shopping for prequalification, which is a different product.
It depends on trade variety more than headcount. Twenty steady subcontractors with identical insurance requirements can be tracked by hand. Sixty subs across a dozen trades, with new ones on every job, is where manual tracking starts missing endorsements. The cost of one uninsured claim on a job you controlled is the comparison that matters, not the subscription.
Most US construction contracts require CG 20 10 for additional insured status during ongoing operations, CG 20 37 for completed operations, CG 25 03 for a per-project general aggregate and CG 24 04 for a waiver of subrogation, plus primary and noncontributory wording. The ACORD 25 cannot evidence these on its own, which is why the endorsement pages have to be collected and read.
Because it does not distinguish ongoing from completed operations. CG 20 10 ends additional insured status once the work is complete or put to its intended use, under paragraph B of the 04 13 edition. A subcontractor can hand you a certificate with ADDL INSD checked and leave you with no coverage the day after closeout unless CG 20 37 or an equivalent is also attached.
Yes. Veriforce announced the acquisition of Highwire on 22 October 2025. Highwire was a prequalification and contractor risk provider focused on the US construction and capital projects market, with assessments on more than 60,000 contractors. Veriforce also owns ComplyWorks, CHAS and PEC, so a construction buyer evaluating both should confirm in writing which product line a quote covers.
Highwire runs a pricing page but publishes no figure on it. The page states that client pricing depends on the assessment packages required and the number of contractors you work with, that contractor subscriptions are based on company headcount, and that a free trial is available for clients. It also claims Highwire is often half the cost of traditional prequalification systems, which is the vendor’s own characterization rather than a verified figure.
PINS Advantage publishes native integrations with both. Other platforms connect through API, file exchange or middleware rather than a native app. The question worth asking any vendor is whether compliance status is written back into the construction system automatically, or whether somebody on your team re-keys it.
No. Wrap administration covers enrollment, payroll reporting, audit and verifying coverage that sits outside the wrap, and it is a specialty service. COI tracking software is useful for the coverage a wrap does not include and for recording who is enrolled, but it does not administer the wrap. That is true of every platform on this page including ours.
It depends on the model. With COI tracking software the general contractor pays and the subcontractor simply sends a certificate. With prequalification networks such as ISNetworld, Avetta and Veriforce the subcontractor pays an annual subscription to be verified and the hiring client pays separately for access. In construction, where the same sub often belongs to several networks at once, that cost tends to come back to you in bid pricing.
Long enough to cover the completed operations exposure, which in most states means the statute of repose rather than the policy period. That is commonly six to ten years after substantial completion and varies by state. Keeping the certificate alone is not sufficient; keep the endorsement pages with it, because those are what evidence the coverage.
COI tracking verifies that a subcontractor carries the insurance your contract requires, continuously, and the hiring party pays for it. Prequalification decides whether a subcontractor is fit to bid at all, scoring safety history, financial stability, experience and manpower, and the subcontractor usually pays to be verified. Insurance is one input to prequalification, not the whole of it.
No. A certificate is issued for information only and confers no rights on the holder, which the ACORD 25 states on its own face. It is a snapshot of what a policy showed on the day it was issued, and a policy can be cancelled or exhausted the next day. That is why continuous verification and the underlying endorsement forms matter more than the certificate itself.
Track every subcontractor certificate against every project.
Verify subcontractor coverage before anyone reaches the site.
The ongoing operations form and the completed operations gap it leaves.
Every form that satisfies a "CG 20 37 or equivalent" clause.
Why CG 25 03 stops another job eroding your limits.
The full roundup of every major COI platform, honestly compared.
Every published rate, annual minimum and setup fee, side by side.
Keep subcontractor compliance status in step with Procore.
The two prequalification networks compared on what each publishes.
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