Sep 21, 2026
Best COI Tracking Software for Government Agencies
Government COI tracking compared: five platforms on price, purchasing path and whether they check the full additional insured wording your contracts require.
Read more →Upload an ACORD 25 and COISoftware reads the limits, endorsements and expiration dates, compares them with your insurance requirements and emails you before coverage lapses.
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Plans from $49 per month. Free demo of 10 documents, no credit card; demo exports carry a watermark.
Built for risk, compliance and operations teams in
COI compliance by the numbers
Certificate of insurance non-compliance is common and expensive. These industry figures explain why risk and compliance teams move COI tracking off spreadsheets.
of certificates of insurance are non-compliant when first collected, and it takes an average of three follow-ups to make one compliant, according to industry certificate-tracking data (2025).
of general liability claims end in a lawsuit, and a GL claim that goes to court averages more than $75,000 to defend and settle, per The Hartford claims data.
is the average cost of a product-liability claim, and a customer or contractor injury claim averages about $30,000, according to Insurance Journal.
Figures summarize publicly reported insurance-industry and certificate-tracking sources. Individual results vary.
Every compliance document
COISoftware extracts structured data from ACORD forms and carrier certificates with no template setup, whatever the carrier layout.
Browse all document typesInsureds, carriers, NAIC, policy numbers, limits, dates
CG 20 10, CG 20 37, blanket vs scheduled wording
CG 24 04 and WC 00 03 13 schedules verified
Coverages, limits, deductibles, forms schedules
Principal, obligee, penal sum, bond type, dates
TINs, classifications, license numbers, expirations
Property coverage, mortgagees, additional interests
Claims history, incurred totals, experience modifiers
How it works
No spreadsheets to maintain, no manual keying, no certificates lost in inboxes.
Upload the certificates you already have, one at a time or in batches of up to 50 files.
Every limit, date, policy number and endorsement checkbox is extracted, validated and compared against your requirements.
Expirations and deficiencies are flagged before they become exposure. Export to Excel, CSV, JSON or sync via API.
Built for risk transfer
A checkbox on a certificate is not proof. COISoftware reads the ACORD form and the endorsement pages, so you know the coverage your contract requires is really there.
{
"document_type": "acord_25",
"status": "completed",
"confidence": 0.991,
"fields": {
"named_insured": "Apex Roofing LLC",
"gl_each_occurrence": 1000000,
"gl_aggregate": 2000000,
"gl_expiration": "2026-11-01",
"additional_insured": true,
"waiver_of_subrogation": true
},
"compliance": { "status": "compliant" }
}Choosing a platform
Buyers look for this category under a dozen names. Most of them describe the same product. Two describe something genuinely different, and it is worth knowing which one you are pricing before a sales call.
| The name you will see | What it usually means | What COISoftware does |
|---|---|---|
| COI tracking software, certificate of insurance tracking | Collect every certificate, record the policy dates, and chase the vendor before a policy lapses. | Reads each ACORD 25, tracks every coverage line by its own expiration date, and emails you at 60, 30 and 15 days out. |
| COI management software, certificate of insurance software | The whole program: intake, verification, storage and reporting, usually for a risk or procurement team. | The same platform. Requirements per vendor type, a compliance status on every certificate, export to Excel, CSV or JSON, and a REST API. |
| COI tracking system, COI platform, COI tracker | A system of record that replaces the shared inbox and the spreadsheet. | One searchable record per vendor with the source certificate attached, so an auditor sees the document and the check side by side. |
| COI verification software | Checking limits and endorsement wording, not only dates. | Reads the endorsement pages themselves (CG 20 10, CG 20 37, CG 24 04), because the ADDL INSD and SUBR WVD boxes on an ACORD 25 are informational only. |
| Certificate of insurance tracking services | A vendor whose staff collects and reviews certificates for you, usually quoted per vendor with an annual minimum. | A different model. COISoftware is self-serve software with published monthly plans, so your team keeps the decisions and pays for software, not headcount. |
Comparing vendors? Best COI tracking software puts fifteen platforms side by side, and COI tracking software pricing lists every published rate in the category, with the quote-only vendors marked as such.
Security & compliance
Encryption in transit and at rest, short file retention, and a straight answer about what we hold and what we do not.
TLS 1.2+ in transit and AES-256 at rest for every certificate and export.
Export your extracted data at any time, and delete your account and the documents in it on request.
A Business Associate Agreement can be put in place before any protected health information is processed. We hold no HIPAA certification.
Working copies of uploaded certificates are deleted after seven days.
We hold no SOC 2 attestation or ISO 27001 certificate today and will not imply otherwise. Security documentation is available on request.
By industry
Construction GCs, property managers, franchisors, hospitals, municipalities and logistics teams use COISoftware to keep every third party compliant.
Track subcontractor COIs per project and per trade. Verify additional insured status before anyone steps on site.
Learn moreTenant and vendor certificates tracked per property, with the landlord verified as additional insured on every one.
Learn moreAccelerate certificate review, loss-run analysis and renewal workflows with structured policy data.
Learn moreUpload your first certificates in minutes, or talk to our team about migrating your whole vendor list.
FAQ
COI tracking software collects certificates of insurance from your vendors, subcontractors and tenants, extracts the coverage data, verifies it against your insurance requirements, and tracks expirations so you are never exposed by a lapsed or insufficient policy.
ACORD 25 certificates of liability insurance, ACORD 24/27/28 property forms, additional insured endorsements (CG 20 10, CG 20 37), waivers of subrogation (CG 24 04, WC 00 03 13), policy declarations, surety bonds, W-9s, business licenses, loss runs and more.
Both. The ADDL INSD and SUBR WVD checkboxes on an ACORD 25 are informational only, so COISoftware also reads the endorsement pages themselves to confirm the wording, schedule and form numbers your contract requires.
Every coverage line is tracked separately by its own expiration date. You get an email as a policy crosses 60, 30 and 15 days to expiration, and again once it has lapsed. Each one names the vendor whose renewed certificate you need to collect, and the dashboard flags anything expired, expiring or deficient.
Yes. POST a certificate and receive clean structured JSON with limits, dates, endorsement status and compliance results, so you can run extraction inside your own onboarding or procurement systems.
Simple self-serve plans with no per-vendor minimums and no mandatory service contracts. Start free and upgrade when your volume grows. Enterprise adds a dedicated account manager and a data processing agreement.
You upload or forward each certificate, the software reads the ACORD form and pulls the insurer, limits, policy dates and endorsements, then compares them with the requirements you set for that vendor type. Certificates that fall short are flagged with the reason, and reminders go out before any policy expires so coverage stays current.
COISoftware publishes its prices: plans start at $49 per month, or $24 per month billed annually, with no per-vendor minimums and no implementation fee. Most competitors are quote-only. Our COI tracking software pricing page lists every rate the category publishes and marks the vendors that publish none.
The terms overlap and usually describe the same product. Tracking stresses watching expiration dates so nothing lapses. Management is the broader word for the whole program: collecting, reading, verifying, storing and reporting on certificates. A good platform does both, so check whether the tool covers the full loop rather than which label it uses.
A spreadsheet is fine for a handful of long-standing, low-risk vendors. It stops working once reading certificates becomes the bottleneck, usually past 20 to 30 active vendors, or when a contract makes you prove enforcement. A spreadsheet stores what you type and verifies nothing, so a missing endorsement or a low limit goes unnoticed.
Not on its own, and no document-based tracker can. A certificate is a snapshot of the day it was issued, so a policy cancelled before its listed expiration shows up only when a cancellation notice or a new certificate reaches you. COISoftware re-checks every certificate you upload and keeps renewal dates in front of you, but mid-term confirmation still comes from the vendor or carrier.
Resources
Sep 21, 2026
Government COI tracking compared: five platforms on price, purchasing path and whether they check the full additional insured wording your contracts require.
Read more →Sep 15, 2026
Four COI platforms still publish that licensed insurance people read your certificates. Which ones, what credentials they name, and what the human layer costs.
Read more →Sep 7, 2026
Docutrax publishes no price but does publish the model: three service tiers, three review depths and your third-party count. The verified figures and what to ask.
Read more →Upload a certificate above or create a free demo account in minutes.
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 |
Enterprise‑grade COI tracking, security, and controls.
USD
per month
per month
$ 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 | certificates |
| Pro AI Best accuracy | certificates |
Custom workflows and deployment for AI automation at scale