COI Compass
COI Compass
Start trial

Certificate tracking for GCs

Retire the
COI spreadsheet.
Work one list.

Import your subcontractor roster, or replace the one you already keep in a spreadsheet. COI Compass collects and renews every certificate, checks each one against your requirements, and hands your team a single exception list: who is not cleared, why, and what to do next.

Start free trialDownload free trackerAudit your roster free
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

§ 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

  • Import your roster. AI drafts each certificate's fields.
  • Renewal notices go out at 60, 30, 14, and 7 days, and once overdue.
  • Subcontractors re-upload via magic link, no account needed.
  • Failed checks become one exception list with a re-upload link.
  • Every action time-stamped, printable, defensible.

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

01

Keep every certificate current

Renewal campaigns chase each subcontractor on milestone notices at 60, 30, 14, and 7 days before expiration, on the expiration day, and once overdue. They upload the new PDF via a tokenized magic link, no account required. Reminders stop the moment a valid replacement is approved.

They click. They drop. They're done.

02

Check every COI against your requirements

Match each certificate to your requirement template: coverage limits, dates, additional insured language, certificate holder text, waiver of subrogation, primary and non-contributory wording, and endorsements. Failed checks become a plain-language deficiency list you send back with a fresh re-upload link, all surfaced in one exception queue.

One list. Who is not cleared, and why.

03

Let AI draft the fields

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.

§ 03 · The flow

Start with your roster.
Then let renewals run.

No data migration or SSO setup. Import your roster, set your requirements, review the drafted fields, and milestone reminders run on the cadence built for you.

  1. Day 1

    Import your roster

    Bring your subcontractor list from the COI Compass tracker or any XLSX or CSV, with a preview and mapping step. Add a company by hand, or send a magic link and let a subcontractor upload without creating an account.

  2. Setup

    Set and confirm your requirements

    Start from your organization requirement template, with optional custom requirements per subcontractor. AI drafts the ACORD 25 fields, carrier, policy numbers, limits, and dates, for you to review. Anything ambiguous is flagged before you approve.

  3. Ongoing

    Renewal campaigns chase each subcontractor

    Milestone notices go out at 60, 30, 14, and 7 days before expiration, on the expiration day, and once overdue. The subcontractor clicks the link and re-uploads the new PDF. Reminders stop when a valid replacement is approved.

  4. Every day

    Work one exception queue

    Sign in to a list of the parties that need action: who is not cleared, why, the next action, the owner, and the attempt count. Every COI version and every reminder is time-stamped and printable 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. All fees are non-refundable, including partial billing periods, except where required by law. Cancelling stops future charges; access continues through the end of the current paid period. 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
  • CSV import for subcontractor lists
  • Custom reminder templates
  • Audit trail per subcontractor
  • Email support
  • Flat monthly billing
  • No per-COI fees
  • No subcontractor upload fees
  • Full certificate history and audit trail retained
Start free trial

14 days · up to 25 subcontractors

Best fit

Growth

$129/ mo

Up to 75 subcontractors

For growing GC offices managing 26 to 75 active subcontractors that want priority support and scheduled compliance reporting.

  • Everything in Starter
  • Higher subcontractor limit
  • Priority email support
  • Roster-wide compliance dashboard
  • Scheduled COI status report cards
  • Flat monthly billing
  • No per-COI fees
  • No subcontractor upload fees
  • Full certificate history and audit trail retained
Sign up

26-75 active subcontractors

Pro

$199/ mo

Unlimited subcontractors

For high-volume GC offices managing more than 75 active subcontractors that need unlimited roster capacity and priority onboarding support.

  • Everything in Growth
  • Unlimited subcontractor limit
  • Priority onboarding support
  • Flat monthly billing
  • No per-COI fees
  • No subcontractor upload fees
  • Full certificate history and audit trail retained
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?
Yes. During an active trial or subscription, authorized team members can export filtered compliance and AP hold reports as CSV or print them. Organization owners can also export the audit trail as CSV.
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

COI Compass: Subcontractor COI Tracking and Renewals for General Contractors