COISoftware is a CertFocus alternative for teams that want published pricing and a free way to start instead of an annual minimum and an implementation fee. It reads every ACORD 25 with AI, checks coverage against your requirements, and chases renewals automatically. Upload a certificate above to see the extraction before you talk to anyone.
Last updated July 2026
Upload your certificates of insurance
Drop files here or click to upload
Up to 50 files
Uploading...
An honest comparison of COISoftware and CertFocus by Vertikal RMS for certificate of insurance tracking. CertFocus figures below are the ones its own parent company publishes, not estimates.
| Feature | COISoftware | CertFocus |
|---|---|---|
| Pricing | Published monthly plans, from $49 per month | Self service $6 to $8 per vendor per year; full service $13 to $29 per vendor per year |
| Annual minimum | None | $7,500 self service, $10,000 full service |
| Implementation fee | None | $3,500 to $4,800 |
| Free plan | Yes, free tier to start | Not offered |
| Certificate review | AI extraction plus automatic rule checks, in seconds | Hawk-I AI, with credentialed insurance professionals on the full service tier |
| Service model | Self serve software | Full service or self service, enterprise oriented |
| Setup | Minutes, no sales call | Guided implementation, quoted separately |
| Expert certificate review by CIC or CPCU staff | Not offered | Yes, on the full service tier |
| Best for | Lean risk, operations and finance teams tracking tens to a few thousand vendors | Large enterprises that want credentialed insurance staff reviewing every certificate |
CertFocus pricing above is published by Vertikal RMS, the company behind CertFocus, and was verified in July 2026. Pricing changes, so confirm current figures directly with each vendor before you buy.
CertFocus is a real, capable enterprise platform with a long track record. The teams that shop for an alternative are usually running into the same handful of things.
The per vendor rate looks approachable until you reach the annual minimum, which Vertikal RMS publishes as $7,500 for self service and $10,000 for full service. A team tracking 200 vendors pays that minimum regardless of the per vendor math, which is why smaller programs look for software priced on what they actually use.
CertFocus lists an implementation fee of $3,500 to $4,800 on top of the subscription. That is normal for enterprise risk software and it buys real onboarding help. It is also a hard stop for a compliance manager who wants to run a pilot on 40 vendors this quarter.
You cannot upload one of your own ACORD 25s and see how the system reads it before a sales conversation. Teams that want to check extraction accuracy against their own messy scans first have to buy on a demo.
Credentialed insurance professionals reviewing every certificate is genuinely valuable if you have no insurance expertise in house. If you already have a risk manager who knows what a CG 20 10 endorsement is, you are paying for a review layer you would do faster yourself.
CertFocus is aimed at large organizations with high certificate volume. A property manager with 300 tenant COIs, a general contractor with 80 subs, or a growing franchisor is not the customer the pricing was designed around.
Buyers increasingly want to compare on published numbers. Enterprise risk software still tends to route every question through sales, and that friction alone sends people looking.
None of that makes CertFocus a poor product. It is a strong fit for an enterprise with thousands of vendor locations and no internal insurance expertise, and its published pricing is more transparent than most of the market. The teams that come to us want the opposite trade: read the certificate with AI, check it against rules they set, and let them run the program themselves for a price they can see. If you are still mapping the market, our best COI tracking software roundup compares eight platforms honestly, including the ones that beat us in places.
The same core job, collect, read, verify and monitor certificates, with published pricing, a free tier and AI that does the reading.
Upload a certificate and the AI pulls the insurer and NAIC number, policy numbers, coverage types, limits, effective and expiration dates and additional insured status, from clean PDFs, scans and phone photos alike.
Enter your minimum limits and required endorsements once, by vendor type if you need to, and every certificate is scored against them the moment it arrives. Anything short, expired or missing is flagged.
Reminders go out at 60, 30 and 15 days before a policy lapses, and the request goes to the vendor rather than sitting on your calendar.
Published monthly plans with a free tier, no annual minimum and no implementation fee, so you can start a pilot on Tuesday without a procurement cycle.
Export a clean compliance record to Excel or PDF whenever an auditor, insurer or client asks who was covered and when.
Go from 30 vendors to 3,000 by changing a plan, not by renegotiating a minimum.
COISoftware reads the same documents CertFocus does, starting with the ACORD 25 and the wider certificate of liability insurance, using AI COI tracking software that verifies each one against your rules. The full picture is in our certificate of insurance management software and vendor insurance compliance software pages, and if CertFocus is not the only platform on your shortlist, compare the myCOI alternative, TrustLayer alternative and Certificial alternative comparisons too.
Switching COI tracking platforms is an afternoon of work, not a migration project.
Pull your vendors and their current certificates out of CertFocus. Its reporting exports to Excel, CSV and PDF, so a vendor list with the latest COI attached is enough to start.
Tip: Start with your highest risk vendors so you see value the same day.
Drag the existing COIs into COISoftware. The AI reads each one automatically, so nobody rekeys an insurer name, a policy number or an expiration date.
Enter the minimum limits, required coverages and endorsement wording your contracts demand. Vary them by vendor type so a janitorial vendor and a roofing subcontractor are held to different standards.
Automated reminders take over the follow up, and the dashboard shows who is compliant, who is short and who is about to expire.
An honest answer, because you will find out anyway during the demo.
CertFocus staffs its full service tier with credentialed insurance professionals holding CIC, CPCU, CISR and CRIS designations. If nobody on your team can tell an ongoing operations endorsement from a completed operations one, and you would rather buy that judgment than build it, that is a genuine reason to pick CertFocus over self serve software. We do not offer a managed review team, and we say so on our COI tracking services page.
At high volume the CertFocus per vendor rate and its annual minimum stop being the constraint, and the deep implementation and ERP integration work start paying for themselves. Fortune 500 risk programs are the customer CertFocus was built for. Our sweet spot sits below that, where the minimum would be the largest line on the invoice.
The implementation fee buys structured onboarding: requirement mapping, data migration and configuration done for you. Some risk programs need that, and some procurement departments require it. Self serve setup in an afternoon is an advantage only if setting it up yourself is something you want to do. For everyone else, the requirements behind the rules are covered in vendor insurance requirements, and the verification checks themselves in certificate of insurance verification.
CertFocus is certificate of insurance tracking software from Vertikal RMS. It collects vendor, tenant and subcontractor certificates, reads them with its Hawk-I AI, and checks the coverage against the requirements you configure. It is sold in a self service tier and a full service tier where credentialed insurance professionals review certificates for you.
Vertikal RMS publishes CertFocus self service at $6 to $8 per vendor location per year with a $7,500 annual minimum, and full service at $13 to $29 per vendor location per year with a $10,000 annual minimum. Both carry an implementation fee of $3,500 to $4,800. Verified July 2026; confirm current pricing with the vendor.
CertFocus does not publish a free plan or a self serve free trial. Evaluation runs through a scheduled demo. COISoftware offers a free tier, so you can upload your own certificates and check the extraction accuracy against your real documents before you pay anything.
It depends on what you are replacing. If you want the enterprise managed service model, myCOI and Jones are the closest comparables. If you want live carrier data rather than documents, look at Certificial. If you want transparent pricing, a free plan and AI that verifies certificates so your own team can run the program, COISoftware is the alternative built for that.
For most small and mid sized programs, yes, mainly because there is no annual minimum and no implementation fee. COISoftware publishes monthly plans starting at $49. At enterprise scale, with thousands of vendor locations, the two converge and the decision should turn on the service model rather than the price.
Yes. CertFocus exports reports to Excel, CSV and PDF, so you can pull your vendor list and stored certificates out and upload them into COISoftware, where the AI reads each one and rebuilds the compliance record. Keep the exported archive as your historical proof of coverage for prior policy periods.
No. COISoftware is self serve software. The AI extracts and verifies every certificate against the rules you define and flags anything short, expired or missing, but there is no managed team of insurance professionals reviewing documents on your behalf. If you need that human review layer, CertFocus full service or myCOI is the better fit.
