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Transportation buyers need two different tools and usually shop for one. A freight broker vetting motor carriers needs carrier monitoring tied to FMCSA authority and filings. A fleet, 3PL or shipper collecting certificates from repair shops, yard contractors, owner-operators and warehouse vendors needs COI tracking software that reads the ACORD 25 and checks it against contract limits. This page compares the platforms in both lanes, marks every price a vendor does not publish, and shows where COISoftware fits. Upload a certificate above to see one read in seconds.
Platform facts were read from each vendor's own site in October 2026, linked in each row. RMIS is described from the FreightWaves report of its acquisition by Truckstop. "Not published" means we found no price on the vendor's site, not that the product is expensive.
Most compliance gaps in trucking come from treating a certificate as proof of something it does not prove. These are the five that cost brokers and fleets the most.
A for-hire carrier proves federal financial responsibility through a filing its insurer lodges with FMCSA, plus the MCS-90 endorsement on the policy. The ACORD 25 the carrier emails you is a summary prepared by its agent. It can be current while the filing has lapsed, and the reverse.
Federal rules set a cargo minimum only for household goods carriers, 5,000 dollars per vehicle and 10,000 dollars per occurrence under 49 CFR 387.303. The 100,000 dollar cargo limit in most broker-carrier agreements is a contract term, so only the certificate and the policy evidence it.
The Form MCS-90 guarantees public liability judgments, excludes property transported as cargo and the carrier's own employees, and obliges the carrier to reimburse the insurer. Seeing it referenced on a certificate tells you nothing about cargo, additional insured status or your contract limits.
A private fleet or dedicated carrier rarely vets other carriers. Its certificate load is repair shops, tow operators, tire and fuel vendors, yard and dock contractors, lessors and owner-operators, each with different limits, which carrier monitoring tools were never built to track.
Leased owner-operators often carry their own physical damage, bobtail or non-trucking liability and occupational accident cover. Each renews on its own date, so a spreadsheet that is clean in January is out of date by March.
The practical answer is to split the problem. Use a carrier monitoring tool where the job is vetting for-hire carriers against FMCSA data before you tender a load. Use COI tracking software for everyone else who has to send you a certificate. Some large brokers run both. Very few fleets need the carrier tool at all.
Whichever lane you buy in, these are the checks that separate a useful platform from a document folder.
The federal floor for for-hire general freight is 750,000 dollars under 49 CFR 387.9, rising to 1,000,000 or 5,000,000 dollars for listed hazardous materials. Most contracts ask for more. The software should test the certificate against your number.
Motor truck cargo is usually written on an inland marine policy and shows up in a blank or "other" row of the ACORD 25. A reader that only looks at the printed coverage rows will miss it.
Shippers and brokers commonly require additional insured status on auto liability and a waiver of subrogation. Both live on endorsement pages, so the platform has to read attached pages, not just tick boxes.
Auto, cargo, general liability and workers compensation renew separately. Reminders should go per policy, to the vendor, before the date, with an upload link that needs no login.
A tow operator, a dock contractor and an owner-operator need different minimums. Requirements should be set per vendor category so one rule set does not flag everyone.
Customer audits and insurer renewals ask for a compliance list on demand. Excel or CSV export, and an API for teams that want status in their own system, keep that from being a week of work.
COISoftware sits in the second lane. It reads every ACORD 25 and attached endorsement page with AI, checks auto liability, cargo, general liability and workers compensation against the requirements you set per vendor category, and chases renewals by email before a policy lapses. It does not pull FMCSA authority or filing data, so a broker vetting thousands of carriers should pair it with, or choose, a dedicated carrier monitoring tool. For freight brokers and 3PLs the operational detail is on COI compliance software for transportation and logistics, and movers have their own page for COI tracking for moving companies.
Four questions settle most shortlists in under a week.
Pull last year's list and split it into for-hire carriers you tender loads to and everyone else. If carriers dominate, start with a carrier monitoring tool. If vendors and owner-operators dominate, start with COI tracking software.
Tip: Most private fleets find the carrier column is close to zero.
Set auto liability, cargo, general liability, workers compensation, additional insured and waiver requirements for each vendor category before you look at software. The platform should hold that grid, not replace the thinking.
Tip: Quote your contract, not the federal minimum, for every limit.
Upload ten real certificates, including one with cargo on a blank row and one with endorsement pages attached. Check what the software extracted against the paper.
Tip: Our demo reads ten documents free with no card.
Ask for the per-vendor or per-carrier rate, any annual minimum, setup fees and who pays. Several platforms in this category publish nothing, so the quote is the only number you will see.
Tip: Compare the total at your real vendor count, not the headline rate.
If most of your certificates come from for-hire carriers, the deciding check is authority and filing status at the moment you tender, which a carrier monitoring tool pulls from FMCSA data. Highway and RMIS are built for that. COI tracking software is the second tool you add for your own vendors, office landlords and any customer that sends you its certificate requirements.
Your certificates come from shops, tow companies, fuel and tire vendors, dock and yard contractors and leased owner-operators. That is a vendor compliance problem with category-specific limits, which is exactly what COI tracking software handles. A carrier monitoring subscription mostly sits idle here.
A 3PL usually has both populations: carriers on the brokerage side and contractors in the buildings. Track carriers in the carrier tool and run warehouse, staffing and maintenance vendors through vendor insurance compliance software, so each list stays clean.
Shippers that contract carriers directly often ask for higher auto liability, cargo and additional insured status than the federal floor. That makes the certificate and its endorsement pages the evidence that matters, and certificate reading against your own contract terms is the core job.
Household goods carriers are the one group with a federal cargo filing. Their vendor and subcontractor certificates still need tracking, covered in detail on COI tracking for moving companies.
It depends on who sends you certificates. Freight brokers vetting for-hire carriers are best served by a carrier monitoring tool such as RMIS or Highway that checks FMCSA authority and filings. Fleets, 3PLs and shippers tracking vendors and owner-operators need COI tracking software that reads the ACORD 25 against their own limits, which is where COISoftware fits.
A for-hire carrier hauling non-hazardous property in interstate commerce with vehicles of 10,001 pounds or more needs at least 750,000 dollars of public liability under 49 CFR 387.9. Listed hazardous materials raise that to 1,000,000 or 5,000,000 dollars. Shippers and brokers usually require 1,000,000 dollars of auto liability or more by contract.
Only for household goods carriers, which must carry 5,000 dollars per vehicle and 10,000 dollars per occurrence. General freight carriers have no federal cargo filing, so the cargo limit in a broker-carrier agreement is purely contractual and has to be verified from the certificate or the policy.
No. The Form MCS-90 states that its public liability coverage does not apply to property transported by the insured designated as cargo, or to injury to the insured's employees. It also requires the carrier to reimburse the insurer for payments the policy would not otherwise have made.
Most brokers combine an FMCSA authority and filing check with a certificate of insurance requested directly from the carrier's agent, then monitor both for changes. Carrier onboarding tools automate that sequence. A certificate forwarded by the carrier itself is weaker evidence, since it can be altered or out of date.
Not COISoftware. We read certificates and endorsement pages and test them against your requirements, but we do not pull FMCSA authority or filing data. If carrier authority checks are your main need, use a carrier monitoring tool for that step and COI tracking software for vendors and owner-operators.
At minimum the named insured matching your contract, auto liability and general liability limits at or above your requirement, cargo where the vendor handles freight, workers compensation, current policy dates, and additional insured and waiver of subrogation status supported by the endorsement pages, not just the checkboxes.
Published prices range from free entry tiers to per-vendor rates; BCS lists $0.95 per vendor per month self-service and Evident lists $15 to $25 per vendor per year. Carrier monitoring tools generally quote. COISoftware Starter is 49 dollars a month, or about half that billed yearly, with no setup fee.
Plans and prices of other vendors are quoted from their own public pages, checked in September 2026. Prices change, so confirm them at the source before you decide. Where a vendor publishes no price, we say so instead of guessing.
Our own prices are on the pricing page, and you can test COISoftware on your own certificate before you pay anything.
Carrier and vendor certificate verification for brokers, 3PLs and shippers.
Fifteen COI platforms compared, with every published price.
Household goods carriers and their subcontractors, tracked in one place.
Every published rate, annual minimum and setup fee, side by side.
Live agent-connected policy data compared with certificate reading.
Chase every policy renewal before it lapses.
No credit card required. New accounts start with a one-time demo of 10 documents.
Start tracking vendor certificates of insurance and never miss an expiration.
USD
per month
per month
$288 charged today
One shared monthly allowance. Spend it on either model, or mix: 1 Pro AI certificate = 5 Base AI certificates. A certificate counts as one, whatever its page count.
| Base AI Faster | 2,500 certificates |
| Pro AI Best accuracy | 500 certificates |
Four times the monthly certificate allowance and four times the Smart Reports.
USD
per month
per month
$888 charged today
One shared monthly allowance. Spend it on either model, or mix: 1 Pro AI certificate = 5 Base AI certificates. A certificate counts as one, whatever its page count.
| Base AI Faster | 10,000 certificates |
| Pro AI Best accuracy | 2,000 certificates |
The largest certificate allowances, API access and the most Smart Reports.
USD
per month
per month
$ charged today
Two separate monthly allowances, one per AI model. Certificates read with Base AI count only toward the Base AI allowance, and certificates read with Pro AI only toward the Pro AI allowance. A certificate counts as one, whatever its page count.
| Base AI Faster | certificates |
| Pro AI Best accuracy | certificates |
Double the Pro 350K allowances for the largest certificate programs.
USD
per month
$59,880 charged today
