COI Compass
COI Compass
Start trial

Certificate tracking for GCs

Stop chasing
subcontractors
for COIs.

One missing subcontractor COI at a WC audit can turn a $50,000 subcontract into a $10,000 surcharge. That is the NCCI mechanic: no valid certificate on file, the subcontractor's contract dollars get reclassified as your payroll at the highest class-code rate. COI Compass tracks every certificate, sends renewal reminders before they lapse, and gives you a one-click audit trail so that finding isn't how you learn a subcontractor's policy expired in March.

Start free trialDownload free tracker
14-day trial, 25 subcontractorsNo credit card
8-20
hrs/week spent
chasing COIs*
$0
subcontractor
renewal upload
100%
audit trail,
time-stamped

* Industry estimates. Range via Expiration Reminder / Vertafore industry report, 2024.

Acord 25
Certificate of Liability Insurance
Date
02 / 14 / 26
Producer

Lone Star Surety Brokers
600 Congress Ave, Austin TX

Insured

Alamo Plumbing & Heating LLC
118 Industrial Pkwy, San Antonio TX

Type of insurancePolicy #EffExp
Commercial Gen. LiabilityGL-4421-88702/22/2502/22/26
Automobile LiabilityAUT-7711-20902/22/2502/22/26
Workers' CompensationWC-9982-11402/22/2502/22/26
Umbrella LiabilityUMB-3340-00602/22/2502/22/26
Each occurrence
$2,000,000
Authorized Rep.
R. Whittaker
Verified

§ 02 · Why teams switch

Everything a GC needs.
Nothing an enterprise charges for.

Before · Spreadsheet purgatory

  • COI_tracker_FINAL_v3_USE_THIS.xlsx
  • "I emailed it last month, didn’t you get it?"
  • Six tabs of expired certificates from 2023
  • "Half the time it’s chasing missing or wrong docs over and over"
  • The WC audit bill you can't argue with

“Spending my entire day chasing subcontractors over email to get their new COI before one expires.”

r/ConstructionManagers

After · COI Compass

  • Drop the PDF. AI drafts the certificate fields.
  • Subcontractors get renewal emails on your chosen cadence.
  • They upload via magic link without creating an account.
  • Every action time-stamped, exportable, defensible.
  • Your Friday afternoon, back.

“Wait, that's it? That's the whole product?” Yes. That's the point.

01

Draft the fields you need

AI reads ACORD 25 PDFs and pulls carriers, policy numbers, limits, and dates into a review screen. No copy-paste and no manual data entry on a Friday night.

Uncertain fields stay flagged for review.

02

Catch renewals sooner

Daily or weekly checks inside the 30-day renewal window. Subcontractors upload renewals via a tokenized magic link. No account, no password, no friction.

They click. They drop. They're done.

03

Audit-ready history

Every COI, every reminder, every approval, time-stamped per subcontractor. One click to show a WC auditor or your insurer that you had a valid certificate on file. That record is the difference between a clean audit and a payroll reclassification at your highest class-code rate.

Print-ready. Litigation-ready. Sleep-ready.

§ 03 · The flow

Start with your current COIs.
Then let reminders run.

No data migration or SSO setup. Add a subcontractor, upload a PDF, review the extracted fields, and reminders follow the cadence you choose.

  1. Day 1

    Upload current COIs

    Add each subcontractor and drop their current certificate. Or send a magic link and let them upload it themselves without creating an account.

  2. Review

    AI drafts the fields

    Carrier, policy numbers, effective and expiration dates, limits, additional insured language. Anything ambiguous is flagged for your review before approval.

  3. Inside 30 days

    We email each subcontractor before renewal

    Automatic reminders follow your daily or weekly cadence. The subcontractor clicks the link, drops the new PDF, and you get a notification. You do not touch the email thread.

  4. Audit day

    Green, yellow, red dashboard

    Sign in and see which subcontractors are current, expiring soon, or lapsed. Every COI version and every reminder is time-stamped and exportable. One click for the auditor.

§ 04 · The risk in plain numbers

What a lapsed COI
actually costs.

Numbers from carriers, NCCI, and OSHA. Not vendor marketing.

19%
surcharge on subcontract value

When a subcontractor has no valid COI on file at a WC audit, the subcontractor's contract dollars are reclassified as your payroll at the highest applicable class-code rate. NCCI residential carpentry sits at $19.51 per $100 of payroll.

Source: NCCI class-code rate schedule via Sadler & Co.

$16,550
per serious OSHA violation

OSHA's multi-employer worksite doctrine lets inspectors cite a GC as the controlling employer for a subcontractor's violation, even when no GC employee is exposed. A current COI is not a shield from OSHA, but it is a signal that you vetted the subcontractor.

Source: OSHA 2025 penalty maximums (Jan 2025 update).

8-20 hrs
per week chasing COIs

Industry estimates put COI tracking at 8 to 20 hours per week for a busy GC office. Even at the low end, that is a full day per week spent on email threads and spreadsheet updates, not on running the job.

Source: Expiration Reminder, citing Vertafore industry report (vendor-sourced range; methodology not published).

“A single missed date on this spreadsheet could cost the company millions.”

r/ConstructionManagers

§ 05 · Pricing

Less than one audit finding.
A lot less than your GC software.

14-day free trial includes up to 25 active subcontractors. No credit card. Cancel any time from a support email. Refund policy.

No implementation callMagic-link uploadsPrintable audit trail

Starter

$79/ mo

Up to 25 subcontractors

For the GC running 10 to 25 active subcontractors who is done chasing renewals in a spreadsheet.

  • AI-powered COI extraction
  • Automated renewal reminders
  • Magic-link upload portal
  • Audit trail per subcontractor
  • Email support
Start free trial

14 days · up to 25 subcontractors

Best fit

Growth

$129/ mo

Up to 75 subcontractors

For GCs running 3 to 8 active projects with one office manager handling compliance.

  • Everything in Starter
  • Priority email support
  • Bulk import via CSV
  • Dashboard compliance summary
Sign up

26-75 active subcontractors

Pro

$199/ mo

Unlimited subcontractors

For multi-PM shops running 75 or more active subcontractors across several concurrent projects.

  • Everything in Growth
  • Multiple team members
  • Async onboarding checklist
  • Custom reminder templates
Sign up

76+ active subcontractors

§ 06 · Common questions

Things GCs
ask before
signing up.

Don't see yours? hello@coicompass.com

01Do my subcontractors need an account?
No. When their COI is due for renewal, they get an email with a magic link. They click it, drop a PDF, and they're done. No account, no password, no friction.
02Is this worth $79 per month if I have fewer than 10 subcontractors?
Honest answer: at very small scale, a well-maintained spreadsheet with calendar reminders 30 to 60 days before expiry is workable. Many GC offices with fewer than 10 subcontractors do exactly that. COI Compass earns its cost when the chasing, the follow-up email threads, and the renewal gaps start to pile up, which typically happens above 10 to 15 active subcontractors. If you're not there yet, our free spreadsheet template is the right starting point. The 14-day trial is no-card and includes up to 25 active subcontractors, so you can test it against a real slice of your roster and decide.
03How does this pay for itself?
The clearest math is the WC audit: if one subcontractor has no valid COI on file, the subcontractor's contract dollars get reclassified as your payroll at your highest applicable class-code rate. NCCI's residential carpentry rate sits at $19.51 per $100 of payroll. On a $50,000 subcontract that's a $9,755 surcharge on a single audit finding. COI Compass at $79 to $199 per month is the cost of less than one clean audit year. The time argument is secondary: industry estimates put COI chasing at 8 to 20 hours per week for an active GC office, but those numbers come from vendor surveys with no published methodology, so we won't pretend they're exact.
04What if I'm already on myCOI or TrustLayer?
If your enterprise COI tracker covers what you need, stay there. COI Compass is built for smaller general contractors who are tracking subcontractors in a spreadsheet today. It is intentionally simpler than an enterprise compliance suite.
05Can I export my data?
Self-serve CSV export is not in the product yet. Your full audit trail is viewable and printable directly in the app, and we can help with a complete export if you need one.
06What if my COI isn't an ACORD 25?
ACORD 25 PDFs are the primary path. If a certificate does not follow the expected format, we flag uncertain fields for your review rather than silently guessing. You're always the final authority on what gets approved.
07How do you handle additional insured language?
We extract it verbatim from the certificate and the endorsement, and flag any subcontractor whose certificate doesn't list your company as additional insured. You can require specific language per subcontractor.
08Do I need to schedule a demo?
No. Pricing is public, the trial is self-serve, and the product is built so a small GC office can test it without a sales call. If you need help, email support@coicompass.com and we'll reply asynchronously.

§ 07 · Last call

Stop finding out
at the audit.

A missing subcontractor certificate at a WC audit can reclassify that subcontract value as your payroll at the highest class-code rate. Start a 14-day trial and see which subcontractors are current before an auditor does. No credit card required.

Start free trial

14-day trial · Up to 25 subcontractors · No credit card

Cookie preferencesCOI Compass: Subcontractor COI Tracking for General Contractors