COISoftware is certificate of insurance tracking software that collects COIs from your vendors, subcontractors and tenants, reads the ACORD 25 automatically, checks each policy against your requirements, and alerts you before anything expires. Drop in a certificate above and see it tracked in seconds.
Last updated June 2026
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The COI tracking market splits into self-service software, full-service managed review, and network-based platforms. Here is what each model actually does, so you can match it to how you work.
| Capability | Self-service software | Full-service managed | Network platform |
|---|---|---|---|
| Who reads the certificates | AI reads each COI for you, you review flags | A vendor team reviews every COI by hand | Pulled live from connected agencies |
| Setup time | Minutes | Weeks of onboarding | Depends on vendor adoption |
| Coverage verification | Automatic against your rules | Manual expert review | Automatic when the agency is connected |
| Expiration reminders | Yes, automated | Yes, managed for you | Yes, when data is live |
| Best for | Teams that want control and fast setup | Teams that want to outsource the work | Programs where most vendors share live data |
| Typical pricing model | Transparent monthly, often a free tier | Per-vendor, quote-based, higher | Tiered, often network-dependent |
COISoftware is self-service tracking software: AI reads each certificate, checks it against the limits and endorsements you set, and reminds you before anything lapses, with transparent pricing and a free tier. You can test it on your own certificates before paying anything.
Most teams start tracking certificates of insurance in a spreadsheet and a shared inbox. It holds up until a vendor policy lapses, a claim hits, and you learn the coverage gap was open for months.
Someone retypes limits, policy numbers and dates off every certificate. One transposed digit and your tracking record is wrong.
A spreadsheet does not email anyone. Policies lapse quietly and you find out only after a vendor has already worked uninsured.
Logging a COI is not checking it. Limits below your requirement, a missing additional insured, or excluded work slip straight through.
Endless email threads to collect updated certificates eat hours every week and still leave gaps.
When a client, insurer or attorney asks for proof, you dig through folders instead of pulling one clean report.
Certificates live in email, desktops and filing cabinets, so nobody can answer who is compliant right now in one click.
The real cost of weak certificate tracking is not the software you skipped. It is the uncovered claim, the contract penalty, or the workers compensation audit that reclassifies an uninsured subcontractor as your own payroll. Certificate of insurance tracking software closes that gap and hands your team back the hours it spends typing and chasing paper. For the broader workflow of collecting and reading certificates, see our certificate of insurance management software.
COISoftware turns a pile of PDFs into a live tracking system. Upload a certificate and the data is read, verified and monitored automatically.
Upload any COI and the AI reads the insurer, policy numbers, coverage types, limits, effective and expiration dates and additional insured status, even from scans and phone photos.
Set your requirements once. Every certificate is checked against your minimum limits and required endorsements and flagged the moment it falls short.
Automated reminders fire at 60, 30 and 15 days before a policy lapses, so coverage never gaps and you never chase a renewal late.
Every certificate, requirement and vendor in one searchable place. Answer who is compliant in a single click.
Export an audit-ready compliance report to Excel or PDF the moment a client, insurer or auditor asks for proof.
Group certificates by vendor, project, property or trade and track each party compliance status on its own.
COISoftware reads the same forms your agents send every day, including the ACORD 25 certificate of liability insurance and other certificate of insurance formats. Once the data is extracted, the software compares each limit and endorsement to the rules you set, so verification happens automatically instead of line by line. If you still keep a manual log, our certificate of insurance tracking spreadsheet guide shows why teams move to software once they pass a handful of vendors.
From a stack of certificates to a clean compliance dashboard in three steps.
Drag in PDFs, scans or photos of your ACORD 25s, or forward them straight from your inbox. Batch upload hundreds at once.
Tip: Start with a single COI to see the extraction before you commit.
Tell COISoftware your minimum coverage limits and required endorsements, such as additional insured or waiver of subrogation. Every certificate is checked against them automatically.
Watch your compliance dashboard, get reminders before anything expires, and pull a report whenever you need proof.
Any US business that requires proof of insurance from the people it works with.
Track tenant and vendor COIs across every building and unit.
Keep every subcontractor verified before they step on site.
Enforce insurance requirements across hundreds of third parties.
Confirm every franchisee, supplier and service provider carries the coverage your agreements demand.
If you manage commercial property, you are tracking tenant and vendor certificates against lease requirements. If you run construction projects, you are verifying subcontractor coverage before anyone is allowed on the job. If you sit in risk or compliance, you answer to auditors and clients who want proof that every third party is insured. COISoftware fits all three and scales from a handful of certificates to an active book of thousands. Teams that carry the most vendor and subcontractor risk can read our guide to vendor and subcontractor insurance compliance tracking, and anyone comparing tools can see our honest roundup of the best COI tracking software.
Certificate of insurance tracking software is a tool that collects COIs from your vendors, subcontractors and tenants, extracts the coverage data, verifies it against your requirements, and tracks expiration dates. It replaces the manual spreadsheet so a lapsed or insufficient policy never becomes your liability.
You track certificates of insurance by collecting one from every vendor, recording the coverages, limits and expiration dates, verifying they meet your requirements, and following up before each policy renews. Software automates all of it: COISoftware reads each certificate, checks it against your rules, and sends reminders before any policy lapses, so nothing slips through manually.
Across the market, self-service COI tracking runs roughly $3 to $10 per vendor per year, full-service managed options $10 to $30, and enterprise deployments reach five and six figures annually. COISoftware uses transparent monthly pricing with a free tier and no per-vendor minimums, so you can start small and scale as you add certificates.
You can, but a spreadsheet cannot read a certificate, verify coverage, or email you before a policy expires. Teams usually outgrow Excel past a handful of vendors, because manual entry introduces errors and missed renewals create real coverage gaps. Tracking software automates the parts a spreadsheet leaves to you.
The best COI tracking software is the one that matches how you work: self-service software for teams that want fast setup and control, full-service managed review for teams that want to outsource the work, or a network platform when most of your vendors already share live data. COISoftware is self-service software with AI extraction, automatic verification and a free tier to start.
COI tracking usually means monitoring certificates and their expiration dates. COI management is broader and includes collecting certificates, extracting and verifying the data, enforcing requirements, chasing renewals, and reporting on compliance. COISoftware covers the full workflow, not just expiration alerts.
Verifying a COI means checking that the coverage types, limits, policy dates and endorsements meet your requirements, and confirming the policy is active. COISoftware does this automatically by comparing every extracted certificate to the rules you define, then flagging anything below your minimum limits or missing a required endorsement.
