COISoftware is a myCOI alternative built for teams that want transparent, self-serve COI tracking instead of a quote-based managed service. It reads the ACORD 25 with AI, verifies coverage against your rules, and sends renewal reminders, with a free tier and no per-vendor minimums. Upload a certificate above to see the extraction before you decide.
Last updated June 2026
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An honest, feature-by-feature comparison of COISoftware and myCOI for certificate of insurance tracking.
| Feature | COISoftware | myCOI |
|---|---|---|
| Pricing | Transparent monthly plans, published | Custom quote, contact sales |
| Free plan | Yes, free tier to start | No free tier |
| Per-vendor minimums | None | Varies by contract |
| Certificate data entry | AI ACORD 25 extraction | illumend AI plus expert team review |
| Coverage verification | Automatic against your rules | Automated plus managed expert review |
| Renewal reminders | 60, 30 and 15 days, automated | Automated vendor outreach |
| Service model | Self-serve software | Service-heavy, managed team |
| Setup | Minutes, self-serve | Guided onboarding |
| Best for | Teams wanting transparent, self-serve automation | Mid-market teams wanting a done-for-you service |
This comparison reflects public information from vendor sites and 2026 reviews. myCOI does not publish pricing; its figures are quote-based. Confirm current details directly with each vendor. Last verified June 2026.
myCOI is an established, capable platform. Teams still shop for alternatives, usually for a few specific reasons.
myCOI quotes custom pricing rather than listing plans, so you go through sales to learn the cost. Teams that want to compare on price up front look elsewhere.
There is no free tier to test the product on your own certificates before committing to a contract.
myCOI leans on a managed expert team. That is a benefit if you want work done for you, but teams that prefer to run COI tracking themselves pay for service they may not need.
Because part of the review is human-assisted, some users report processing times that stretch during busy renewal periods.
myCOI is aimed at mid-market companies. Smaller teams and lean operations can find the model heavier than they need.
Some teams simply want to upload a certificate and have AI read and verify it instantly, without a managed layer in between.
None of this makes myCOI a bad product. It is a good fit for compliance teams that want to hand certificate review to an outside team and do not mind quote-based pricing. The teams searching for an alternative usually want the opposite: transparent pricing, a free way to start, and AI that does the verification so they can run the program in-house. That is the gap COISoftware fills.
The same core job (collect, read, verify and track certificates) with transparent pricing, a free tier, and AI that does the heavy lifting.
Upload any certificate and the AI reads the insurer, policy numbers, limits, dates and additional insured status, even from scans and phone photos.
Set your requirements once and every certificate is checked against your minimum limits and required endorsements, then flagged the moment it falls short.
Automated reminders go out 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, so you can answer "who is compliant?" in a single click.
Export a clean compliance report to Excel or PDF the moment a client, insurer or auditor asks for proof.
Published monthly pricing with a free plan and no per-vendor minimums, so you see the cost and start without a sales call.
COISoftware reads the same forms your agents send, including the ACORD 25 and the broader certificate of liability insurance. For the full feature set, see our certificate of insurance management software and vendor insurance compliance software, or compare the whole market in our best COI tracking software roundup.
Moving your COI tracking over takes about an afternoon, not a project plan.
Pull your current vendors and their latest certificates out of myCOI or your spreadsheet. A simple list of vendors and their COIs is enough to start.
Tip: Start with your highest-risk vendors to see value the same day.
Drag your existing COIs into COISoftware and the AI reads each ACORD 25 automatically: insurer, limits, dates, endorsements and additional insured status. No manual re-entry.
Define your minimum limits and required endorsements once. Every certificate is checked against them, and renewal reminders go out before anything lapses.
An honest take, because the right tool depends on how you want to run COI tracking.
If you want a managed service where an outside team of insurance experts reviews certificates, chases your vendors, and effectively runs the compliance program for you, myCOI's service-heavy model is a real strength. Larger mid-market teams that prefer to outsource the work and have budget for quote-based pricing are well served there.
If you would rather run COI tracking yourself with software that does the heavy lifting, COISoftware fits better. You get AI ACORD 25 extraction, automatic coverage verification against your own rules, and renewal reminders, with transparent monthly pricing, a free tier, and no per-vendor minimums. It scales from a property manager with 20 vendors to a contractor with thousands, and you can start free today using the uploader above.
Many teams compare both against other platforms too. See our honest best COI tracking software roundup for how myCOI, Certificial, TrustLayer and COISoftware stack up side by side.
Yes. COISoftware does the same core job as myCOI, collecting, reading, verifying and tracking certificates of insurance, but with transparent monthly pricing, a free tier, and no per-vendor minimums. It suits teams that want to run COI tracking themselves with AI automation rather than pay for a managed service.
myCOI does not publish its pricing; it quotes custom rates based on your vendor count and the service level you need, so you have to contact their sales team. Across the COI market, full-service platforms generally run $10 to $30 per vendor per year. COISoftware lists transparent monthly pricing and offers a free tier.
The best alternative depends on what you want. COISoftware is the strongest fit for transparent pricing and self-serve AI extraction, Certificial for real-time policy data, and TrustLayer for tracking COIs with other documents. If your main reason for leaving is quote-based pricing and no free trial, COISoftware addresses both directly.
myCOI does not offer a free tier; access is through a custom contract after a sales conversation. If you want to test COI tracking on your own certificates at no cost first, COISoftware has a free plan you can start in minutes.
Because myCOI quotes custom pricing, a direct dollar comparison depends on your contract. What is clear is that COISoftware publishes transparent monthly pricing, has no per-vendor minimum, and offers a free tier, so you can see the price and start at no cost, which is not the case with quote-based platforms.
Yes. Export your vendor list and current certificates, upload the COIs into COISoftware, and the AI reads each one automatically. Set your coverage requirements once and you are tracking compliance with renewal reminders. Most teams are up and running the same day.
The core difference is the model. myCOI pairs AI with a managed team of insurance experts who review certificates for you, priced by custom quote. COISoftware is self-serve software: AI reads and verifies each certificate against your rules, with transparent pricing and a free tier. One is done-for-you; the other puts fast automation directly in your hands.
Compare the seven leading COI tracking platforms honestly, side by side.
Read ACORD 25 data, verify coverage and track every COI expiration.
Collect, verify and track vendor and subcontractor COIs in one place.
