2026 Comparison — Updated March 2026

Best COI Tracking Software [2026] — Side-by-Side Comparison

Enterprise COI platforms are built for enterprise budgets — starting at $500/month and requiring a sales call just to see pricing. If you're a general contractor running 10 to 150 subs who needs to track whether each sub is compliant for each specific project — not just whether they have a policy — most of the options below weren't built for you.

No credit card required

This page compares six options head to head: spreadsheets, myCOI, Billy, TrustLayer, Jones, and TrackMyVendor. We cover what each platform actually does, who it's built for, where it falls short, and what it costs — with real numbers where they're publicly available.

We've tried to be honest about TrackMyVendor's limitations too, because a comparison page that only says nice things about itself is just an ad. A checkmark means the platform has the capability in its standard product. A partial means it exists but with meaningful limitations — behind a higher tier, requiring professional services setup, or only through a paid integration. An means the feature isn't there.

Feature comparison: all six options

Pricing ranges are based on publicly available information as of March 2026. Enterprise platforms requiring a sales call are noted.

Feature
Best value
TrackMyVendor
Free / $39/mo
Spreadsheet
Free
myCOI
~$500+/mo
Billy
~$200+/mo
TrustLayer
Enterprise
Jones
~$200+/mo
COI collection & storage
Centralized document storage with upload workflow
Partial
manual files
Automated expiration alerts
Email alerts before policies lapse (90/60/30/7 days)
AI COI parsing
Auto-extracts coverage data from PDFs without manual entry
Partial
Contractor license verification
Live status checks against TX TDLR, FL DBPR, CA CSLB, WA L&I, OR CCB
TX, FL, CA
W-9 collection
Collect and track W-9s alongside COIs in one workflow
Partial
manual storage
Partial
Vendor self-service portal
Subs submit docs via link — no account needed
magic link
Per-project compliance tracking
Track each sub's compliance against project-specific limits — a sub compliant for one job may not meet requirements for another
Pro plan
Partial
manual tabs
Partial
Compliance dashboard
At-a-glance status across all subs and vendors
Mobile app
iOS and Android native app
Partial
mobile-friendly web
Excel/Sheets
Automation integrations
Zapier, Make, or developer API to connect compliance events to other tools
Partial
platform only
Partial
ERP + Procore
developer API
Partial
select integrations
Procore integration
Native two-way sync with Procore PM
on roadmap
Partial
native sync
Pricing transparency
Can you see pricing without a sales call?
published
free
Time to set up
From signup to tracking your first sub
Under 10 min Instant Days–weeks Hours–days Days–weeks Hours–days
Starting price Free / $39/mo Free ~$500+/mo ~$200+/mo Enterprise ~$200+/mo

Competitor pricing figures are estimates based on user-reported ranges and publicly available information last reviewed March 2026 — not stated pricing. Platforms that do not publish pricing require a sales conversation; actual costs vary by vendor count, features, and contract term. Contact each vendor directly for a current quote.

The one thing no other self-serve platform does: license verification

Every platform in this comparison tracks COIs. Only TrackMyVendor also verifies whether the contractor's license behind that COI is active. A COI proves a sub had insurance when the policy was issued — it says nothing about whether their license was revoked last Tuesday. See how live license verification works.

What each option is actually for

Honest assessments of who each tool is built for — and who it's not.

Spreadsheets (Excel / Google Sheets)

Best for: 1–10 subs

Spreadsheets are where most GCs start, and for very small operations — five subs, stable renewal dates, no multi-project complexity — they work fine. The problems compound as you scale: no automated alerts mean a lapsed policy only surfaces when you remember to check, manual data entry for every renewal introduces errors, and there's no way to verify that a license behind a COI is still active. If you've ever sent a sub to a job site based on a COI that was technically current but whose license had been suspended, a spreadsheet had no way to warn you. It's a free starting point, not a compliance system.

myCOI

Best for: Large GCs & Brokers

myCOI is one of the most established names in COI tracking and has the feature depth to prove it — dedicated compliance specialists, broker portal access, robust audit trails, and integrations with most major construction platforms. It was built for insurance brokers, large GCs, and enterprise risk management teams that need a high-touch, fully managed solution. If you're a GC running 200+ subs with a dedicated safety or compliance manager, myCOI can handle it. If you're managing 15 to 50 subs and trying to automate a spreadsheet, the pricing — which typically starts around $500/month — and the onboarding process will feel like buying a semi truck when you needed a pickup.

Under 150 subs? See how TrackMyVendor compares →

Billy

Best for: Mid-Size GCs

Billy is the most modern-feeling platform in this comparison — clean UI, good vendor portal experience, and a mid-market price point that makes it accessible to GCs who've outgrown a spreadsheet but aren't ready for enterprise software. It sits in the $200–800/month range depending on vendor count and features, which prices out small GC operations. License verification is not part of the product, so if a sub's COI looks valid but their license is suspended, Billy won't catch it. For mid-size GCs primarily focused on insurance collection and renewal management, it's a legitimate option worth evaluating.

Need license verification included? TrackMyVendor adds it free for your first 25 subs →

TrustLayer

Best for: Enterprise Construction

TrustLayer is the most technically advanced platform in the category — AI-first, strong integrations across construction and real estate platforms, and a compliance engine that goes beyond COIs into broader risk management. It targets large construction firms, real estate investment managers, and enterprises that need a configurable compliance layer at scale. Pricing is enterprise-only and requires a sales conversation; expect it to start well above $500/month for any meaningful deployment. TrustLayer is genuinely impressive software, but it is not designed for a 30-sub GC operation in Texas who wants to stop chasing insurance renewal emails.

Not an enterprise? TrackMyVendor is free to start — no sales call required →

Jones

Best for: Mid-to-large GCs with Procore

Jones is a dedicated COI tracking and compliance platform built for construction and real estate — purpose-built for insurance compliance, not bundled into a project management tool. It offers AI-powered COI review, automated renewal reminders, a vendor self-service portal, and a native Procore integration that makes it worth evaluating if you're already in that ecosystem. Pricing is not publicly available and requires a sales conversation; entry points typically start above $200/month. License verification against state contractor databases is not part of the product — a sub can hold a current, Jones-tracked COI while their license is suspended and the platform won't flag it.

Need license verification included? TrackMyVendor adds it free for your first 25 subs →

Head-to-head: the comparisons GCs are actually making

The matchups that come up most when GCs are evaluating COI tracking software — TrustLayer vs Billy, Jones vs myCOI, TrustLayer vs Jones, and how each stacks up against TrackMyVendor.

TrustLayer vs Billy

Two legitimate platforms — one built for enterprise, one built for mid-market

Billy Best for: mid-size GCs, $200–800/mo

  • Modern UI, faster onboarding than enterprise tools
  • Vendor portal for self-service document submission
  • Mid-market price point — more accessible than TrustLayer
  • No contractor license verification
  • Pricing not published — requires a demo
  • Limited API and integration depth vs TrustLayer

TrustLayer Best for: enterprise, $500+/mo

  • AI-first compliance engine, broadest feature set in category
  • Deep integrations: Procore, Yardi, MRI, and developer API
  • Handles compliance beyond COIs — risk management at scale
  • No contractor license verification against state databases
  • Enterprise-only pricing, implementation timeline of weeks
  • Overkill for GCs under 200 subs
The verdict: If you're a mid-size GC (50–150 subs) who doesn't need Procore integration or enterprise API access, Billy is the more practical choice — faster to implement, lower cost, cleaner for straightforward COI collection. If you're a large construction firm or institutional real estate operator with Procore already in place and compliance needs that go beyond certificate collection, TrustLayer's feature depth justifies its price. Neither platform verifies contractor license status against state databases — a gap worth considering if your subs are licensed in TX, FL, CA, WA, or OR.

Under 150 subs and need license verification included? TrackMyVendor is free to start →

Billy vs TrackMyVendor

Both target GCs who've outgrown spreadsheets — the difference is price, verification, and who they're sized for

Billy — mid-market, $200–800/mo

  • Solid vendor portal and COI collection workflow
  • Better fit for 100–500 subs at scale
  • Some ERP integrations available
  • No contractor license verification
  • No free tier — requires a sales conversation
  • No W-9 tracking in the same workflow

TrackMyVendor — free / $39/mo

  • Free for your first 25 subs — no credit card, no demo
  • Contractor license verification: TX, FL, CA, WA, OR
  • COI + W-9 + license in a single vendor workflow
  • Setup under 10 minutes — no implementation process
  • No mobile app (web only)
  • Better for under 150 subs than large enterprise rosters
The verdict: For GCs managing under 150 subs who want per-project compliance tracking, license verification, and a free starting point, TrackMyVendor is the only self-serve option that covers all three. Billy's per-project coverage requirements are partial — you don't get true project-level compliance status out of the box. Billy makes more sense at scale (100–500 subs) where ERP integrations justify the higher price, but if you need to know whether a sub meets the requirements for a specific job — not just whether they have an active policy — TrackMyVendor is the more complete answer.

TrustLayer vs TrackMyVendor

Enterprise AI platform vs self-serve tool for small-to-mid GCs — different categories, different buyers

TrustLayer — enterprise, custom pricing

  • Best-in-class AI compliance engine
  • Procore, Yardi, MRI, and developer API integrations
  • Configurable compliance rules for complex enterprise workflows
  • No contractor license verification against state databases
  • Sales process + implementation measured in weeks
  • Pricing starts well above $500/mo for any real deployment

TrackMyVendor — free / $39/mo

  • Free for 25 subs, $39/mo after — published pricing
  • Contractor license verification: TX, FL, CA, WA, OR daily
  • 10-minute setup — no sales call, no onboarding
  • Zapier + Make webhooks for Slack, Gmail, Sheets automation
  • No Procore integration yet (on roadmap)
  • Built for under 150 subs — not enterprise scale
The verdict: TrustLayer and TrackMyVendor serve different buyers and don't really compete for the same GC. TrustLayer is the right answer if you're a large construction firm, institutional real estate manager, or enterprise that needs a configurable compliance platform integrated across your entire tech stack. TrackMyVendor is the right answer if you're a GC or property manager managing 5 to 150 subs who needs COI tracking, W-9 management, and contractor license verification without a sales process, an implementation project, or an enterprise budget. The shared gap: neither platform verifies contractor licenses against state databases — TrackMyVendor does. TrustLayer doesn't.

Not an enterprise? TrackMyVendor is free to start, no sales call required →

Jones vs myCOI

Modern, Procore-native COI tracking vs the established enterprise compliance incumbent

Jones Best for: mid-to-large GCs on Procore, ~$200+/mo

  • Native Procore integration — strong if you're already in that stack
  • AI-powered COI review and automated renewal reminders
  • Modern UI and vendor self-service portal
  • No contractor license verification against state databases
  • Pricing not published — requires a sales conversation
  • Narrower compliance scope than myCOI's broker-grade toolset

myCOI Best for: large GCs & brokers, ~$500+/mo

  • Established incumbent with deep compliance and audit-trail features
  • Broker portal access and dedicated compliance specialists
  • Integrations across most major construction platforms
  • No contractor license verification against state databases
  • Higher entry price and a formal implementation process
  • Heavier than a mid-size GC roster usually needs
The verdict: Jones and myCOI both track COIs well, but they sit at different points on the scale curve. Jones is the more modern, Procore-native choice for a mid-to-large GC who wants AI COI review and a clean vendor portal without a heavy implementation. myCOI is the established enterprise incumbent — the better fit if you're a large GC or insurance broker who needs broker portal access, deep audit trails, and dedicated compliance specialists. Both require a sales call to see pricing, and neither verifies contractor license status against state licensing boards.

Want license verification without a sales call? TrackMyVendor is free for your first 25 subs →

TrustLayer vs Jones

Enterprise risk-management platform vs purpose-built construction COI tracking

TrustLayer Best for: enterprise, $500+/mo

  • Broadest compliance engine — goes well beyond COIs into risk management
  • Deep integrations: Procore, Yardi, MRI, and a developer API
  • Configurable rules for complex enterprise workflows
  • No contractor license verification against state databases
  • Enterprise-only pricing and a multi-week implementation
  • Overkill if you only need construction COI tracking

Jones Best for: mid-to-large GCs on Procore, ~$200+/mo

  • Purpose-built for construction COI compliance, not bundled into PM
  • Native Procore integration and AI-powered COI review
  • Lighter to adopt than a full enterprise risk platform
  • No contractor license verification against state databases
  • Pricing not published — requires a demo
  • Narrower than TrustLayer beyond insurance compliance
The verdict: If your compliance needs go beyond certificates of insurance — multi-entity risk management, configurable rules, a developer API across your whole tech stack — TrustLayer is the deeper platform. If you specifically want construction COI tracking with a native Procore integration and AI COI review, without standing up an enterprise risk system, Jones is the more focused, faster-to-adopt choice. Both integrate with Procore and both require a sales call. Neither verifies contractor license status against state databases — the one capability TrackMyVendor adds at self-serve pricing.

On Procore and want the license-verification gap covered? See how TrackMyVendor layers on top →

TrustLayer vs Billy vs Jones

The three-way construction COI comparison — including Procore integration and AI review

  TrustLayer Billy Jones
Built forEnterprise riskMid-market GCsConstruction COI
AI COI reviewPartial
Procore integrationPartial
License verification
Published pricing
Starting priceEnterprise~$200+/mo~$200+/mo
The verdict: For straightforward construction COI tracking with a Procore integration, Billy and Jones are the practical mid-market picks — Billy leans toward general COI collection and renewal management, Jones toward purpose-built construction compliance with AI COI review. TrustLayer is the enterprise option when your needs extend past insurance into broader risk management. All three integrate with Procore to some degree and all three require a sales call. None of the three verify contractor license status against state licensing boards — so a sub can hold a clean, current COI in any of them while their license is suspended. TrackMyVendor is the only self-serve option that catches both, free for your first 25 subs.

Comparing all three for a roster under 150 subs? See where TrackMyVendor fits →

Other COI tracking platforms worth knowing

The six options above are the ones GCs and property managers ask about most, but a few other names come up in COI tracking and insurance verification searches. None of them publish self-serve pricing, and none verify contractor license status against state licensing boards:

  • Certificial — real-time, "living" COI sharing network aimed at brokers and large insureds.
  • Evident — enterprise insurance and credential verification, often used for vendor and gig-workforce risk.
  • BCS (Building Compliance Solutions) — managed COI tracking with an outsourced services model.
  • Ebix / CertFocus — long-standing enterprise certificate-tracking platforms for large risk teams.

These lean enterprise and broker-facing. If you're a GC or property manager under 150 subs who wants COI tracking plus license verification without a sales process, start free with TrackMyVendor →.

Why TrackMyVendor for small-to-mid GCs and property managers

The window the enterprise platforms skip over.

For General Contractors

The compliance tools built for enterprise GCs assume you have a dedicated compliance manager and a Procore subscription. Most GCs managing 10 to 100 subs have a project manager doing double duty with a spreadsheet that's three updates behind. TrackMyVendor automates expiration alerts at 90/60/30/7 days, subs upload their own COIs through a magic link, and you can set different coverage requirements per project — so a sub approved for one job isn't automatically cleared for a higher-risk one. Our daily sync against TX TDLR, FL DBPR, CA CSLB, WA L&I, and OR CCB catches the license status gap every other tool misses.

For Property Managers

Property managers run portfolios, not job sites — dozens or hundreds of vendors across multiple properties, all with different insurance renewal cycles, W-9 gaps, and coverage requirements. myCOI and TrustLayer can handle this, but at prices built for institutional real estate. TrackMyVendor gives you centralized vendor files, automatic renewal alerts, W-9 collection in the same workflow as COI collection, and a compliance dashboard showing which vendors are green, expiring, or shouldn't be on site right now. First 25 vendors are free. After that, $39/month — less than one hour of your time spent chasing an insurance renewal.

What TrackMyVendor doesn't do (honest answer)

There is no mobile app and no Procore integration yet (on the roadmap). No white labeling for brokers. Zapier and Make webhooks connect compliance events to Slack, Google Sheets, Gmail, and 6,000+ other apps. License verification currently covers Texas, Florida, and California — not all 50 states. If any of those capabilities are must-haves, one of the enterprise platforms above is likely the right fit, and we'd rather you know that now than after signing up.

If none of those are blockers, setup takes under 10 minutes. Try it free →

Which COI tracking software should you use?

A quick decision guide based on your size, budget, and stack.

Under 25 subs in TX, FL, CA, WA, or OR

TrackMyVendor free tier. You get COI tracking, license verification, and expiration alerts at $0. No reason to pay anything until you grow past 25.

25–150 subs, need per-project compliance tracking + license verification

TrackMyVendor paid ($39–79/mo). Set different coverage requirements per project, track each sub's compliance against those requirements, and verify license status — all in one self-serve tool.

Mid-size GC (50–200 subs), no Procore, budget $200–800/mo

Billy is worth evaluating. Modern UI, good vendor portal, mid-market pricing. No license verification, but strong COI collection.

Mid-to-large GC with Procore, $200+/mo budget

Jones is worth evaluating — native Procore integration, solid vendor portal, AI-powered COI review. No license verification, but strong for COI collection at scale.

Enterprise, 200+ subs, need API / white labeling / dedicated CSM

myCOI or TrustLayer. Built for this scale. Expect a sales process, implementation timeline, and pricing to match.

Frequently asked questions

TrustLayer vs Billy: which should I choose?
Choose Billy if you're a mid-size general contractor (50–200 subs) looking for a modern COI tracking platform with a vendor portal and don't need deep enterprise integrations. Billy is more accessible in terms of pricing and setup time than TrustLayer. Choose TrustLayer if you're a large construction firm or institutional real estate manager who needs an enterprise compliance platform with Procore, Yardi, or MRI integrations, configurable compliance rules, and API access at scale. TrustLayer's pricing is enterprise-only and requires a sales conversation; expect it to start well above $500/month. Neither platform verifies contractor license status against state licensing databases — if that matters for your operation, it's a gap both share. See the full TrustLayer vs Billy comparison →
How does Billy compare to TrustLayer for COI tracking?
Billy and TrustLayer both collect and track certificates of insurance, but they target different-sized operations. Billy is built for mid-market GCs — faster to implement, lower cost (~$200–800/month), and focused on COI collection and renewal management. TrustLayer is AI-first and enterprise-grade, with broader compliance features beyond COIs and deep integrations across construction and real estate platforms. TrustLayer is significantly more expensive and has a longer implementation timeline. For a GC managing under 150 subs who doesn't need Procore integration or enterprise API access, Billy is the more practical option. For large-scale operations already invested in an enterprise tech stack, TrustLayer's feature depth justifies the cost. Neither verifies contractor license status — only TrackMyVendor provides that check at self-serve pricing.
Is TrackMyVendor actually cheaper than alternatives like myCOI or Billy?
Yes. TrackMyVendor starts free for 25 subs, then $39/month for unlimited subs on a single account, and $79/month for unlimited subs and unlimited team members. myCOI, Billy, TrustLayer, and Jones do not publish pricing publicly — you need a sales call, which is itself a signal the number isn't built for small operations. Based on publicly available information and user-reported pricing, entry points for those platforms typically start between $200 and $500/month, with enterprise tiers that scale from there. See full pricing →
Does any other platform verify contractor licenses the way TrackMyVendor does?
Not among self-service platforms at this price point. None of the platforms in this comparison combine real-time state license verification with COI tracking in a single self-serve product for under $100/month. A COI proves a sub had insurance when the policy was issued — it says nothing about whether their license was revoked last Tuesday. TrackMyVendor's daily sync against Texas TDLR, Florida DBPR, California CSLB, Washington L&I, and Oregon CCB catches the thing every other tool misses. See how license verification works →
What does TrackMyVendor not do compared to enterprise platforms?
Honest answer: quite a bit. There is no mobile app — TrackMyVendor is web-based. No Procore integration yet (on the roadmap). No white labeling for insurance agencies or brokers. No dedicated implementation services. Automation is handled via Zapier and Make webhooks — connect compliance events to Slack, Google Sheets, Gmail, and thousands of other tools without code. License verification covers Texas, Florida, and California — not all 50 states. If any of those capabilities are must-haves for your operation, one of the enterprise platforms in this comparison is likely the right fit. If they're not, setup takes under 10 minutes →
If I'm already on Procore, does TrackMyVendor add value?
Potentially — specifically for license verification. Procore's built-in insurance tools handle COI collection but do not verify contractor license status against state licensing boards. If you're in Texas, Florida, or California, TrackMyVendor can layer on top of your existing Procore workflow to add that check. We don't integrate directly with Procore yet, so you'd be running two tools — a legitimate drawback. If your current COI tracking workflow is working and you don't have a license verification gap, adding TrackMyVendor may not be worth the overhead.
How long does it take to set up TrackMyVendor vs. the enterprise options?
Most GCs have their full sub roster loaded and first COI requests sent within 10 minutes of signing up. No implementation call, no onboarding session to schedule, no CSV template to map to a custom schema. You sign up, add your subs by name or upload a CSV, and start sending magic-link requests for documents immediately. The enterprise platforms — particularly myCOI — typically involve a formal implementation process measured in days to weeks, sometimes with a professional services fee. That makes sense when you're configuring a compliance system for 500 subs across 30 active projects. It doesn't make sense when you have 40 subs and a Friday deadline. Start free and see for yourself →
Jones vs myCOI: which is better for COI tracking?
Choose Jones if you're a mid-to-large general contractor who wants modern, construction-focused COI tracking with a native Procore integration and AI-powered COI review, without a heavy enterprise rollout. Choose myCOI if you're a large GC or insurance broker who needs the established incumbent's depth — broker portal access, detailed audit trails, and dedicated compliance specialists. Both require a sales call to see pricing, and neither verifies contractor license status against state licensing boards — that's the one check TrackMyVendor adds at self-serve pricing. See the full Jones vs myCOI comparison →
How do TrustLayer, Billy, and Jones compare for construction COI tracking?
Billy and Jones are the practical mid-market choices for construction COI tracking, both with Procore integration and AI COI review — Billy leans toward general COI collection and renewal management, Jones toward purpose-built construction compliance. TrustLayer is the enterprise option, with the broadest compliance engine and deep integrations across Procore, Yardi, and MRI, but enterprise-only pricing and a multi-week implementation. All three require a sales conversation, and none verify contractor license status against state databases. See the TrustLayer vs Billy vs Jones breakdown →
Which COI tracking software integrates with Procore?
Among the platforms here, Jones offers a native Procore integration, myCOI integrates with Procore, and TrustLayer includes a Procore integration in its enterprise tooling; Billy offers ERP and Procore connections at higher tiers. TrackMyVendor doesn't integrate with Procore yet (it's on the roadmap), but it can layer on top of your existing Procore workflow to add contractor license verification — the one check Procore's built-in insurance tools don't perform. See how license verification works →

Start free — first 25 subs on us

If you're a GC or property manager with 5 to 150 subs and every option you've seen costs too much or does too much — TrackMyVendor was built for that window. No credit card, no sales call, no 30-minute demo before you can see the product.

If it doesn't do what you need, every other platform on this page will still be there.