The COI tracking software market has gotten crowded. Five or six platforms are actively competing for the same construction teams — and each one publishes content positioning themselves as the obvious choice. Vertikal RMS ranked their own product first. Jones ranks itself best for real estate and construction. BCS publishes extensive comparison content designed to make every competitor look inadequate.
This guide tries to cut through that. It covers the five platforms construction teams evaluate most often: Billy, myCOI, Jones, BCS, and CertFocus. What each one actually does well, where each one falls short, and how to think about the choice for your specific situation.
If you want the foundation before evaluating tools, start here: how COI tracking works at scale and what certificates of insurance actually are.
What actually matters when evaluating COI tracking software
Most comparison articles focus on feature checklists. The features that matter most aren’t always the ones with the most marketing attention:
- Does it review documents or just store them? COI storage is table stakes. Review means checking actual coverage: limits, endorsement types, additional insured status, effective dates. Many platforms file COIs without verifying they’re compliant.
- How does vendor submission work? Requiring vendors to create accounts dramatically reduces submission rates. No-login submission is a meaningful operational difference, not a minor convenience.
- What integrations exist and how deep do they go? A data export to CSV is not the same as a real-time sync with your ERP. Ask specifically: how does compliance status get into Vista, Sage, or Procore, and how current is it?
- Is managed services available? At high vendor volume, some teams need someone to handle chasing, reviewing, and exception management — not just software. That’s a meaningful differentiator between platforms.
- Is the business model aligned with your interests? Some platforms charge per vendor, which creates incentive to add complexity. Others charge flat rates. Understand how pricing scales with your volume.
Billy
Billy is a COI and vendor compliance platform built specifically for construction general contractors. It handles the full compliance lifecycle: vendor onboarding, COI collection, AI-powered document review, renewal outreach, and ERP integration. Available in both self-service and fully managed versions.
The deepest construction-specific integration set of any platform in this comparison: Procore (with a native Side Panel), Autodesk, Viewpoint Vista via AppXchange, Sage 300 CRE, Sage Intacct, JD Edwards, and CMiC. The AI Review Assistant checks not just document existence but actual coverage details — endorsement types, additional insured language, primary and non-contributory — against your contract requirements. Managed Services puts licensed insurance professionals on your compliance operation alongside the software.
- 9+ construction-specific integrations
- AI review of endorsements, not just COI existence
- No-login vendor submission
- Both self-service and managed plans
- Subcontractor prequalification module
- Free tools (W-9 generator, lien waiver, templates)
- Not as established in real estate or property management as Jones
- No pre-vetted vendor network like BCS’s 78,000-vendor database
- Managed services pricing is higher than pure self-service options
General contractors and specialty contractors using Procore, Vista, Sage, or JD Edwards. Teams managing 50–5,000+ vendors who need AI-powered review and ERP integration without building a manual compliance operation.
myCOI
myCOI is one of the longest-standing COI tracking platforms. It’s a broad-market tool serving construction, nonprofits, education, and other verticals that require vendor insurance compliance tracking. It combines software with a managed service component.
myCOI’s brand recognition and track record make it a comfortable choice for large enterprises. The platform handles high volume and has a solid workflow for COI collection and renewal management. Customer reviews frequently praise their account management team.
- Established brand with long track record
- Handles high certificate volume
- Strong account management
- Good for non-profit and education in addition to construction
- Not construction-specialist — generalist platform across industries
- COI review speed can slow during peak renewal periods
- Requires vendor login for document submission (reduces compliance rates)
- Less deep on construction-specific endorsement review
Large organizations that need a proven, enterprise-grade COI management platform and are operating across multiple industries. Less ideal for construction teams that need deep ERP integration or construction-specific endorsement review.
Jones
Jones is a COI compliance platform focused specifically on construction and commercial real estate. It’s a strong option for property managers and CRE teams who need bi-directional Procore and Viewpoint Vista integrations alongside property management system connections (MRI, Yardi, Building Engines).
Jones’s The Jones Network gives them pre-populated insurance certificates and contacts from over 30,000 vendor profiles — which accelerates onboarding for vendors already in their database. Their real estate integrations are strong. Response time for COI reviews is typically under 24 hours.
- Pre-vetted vendor network speeds onboarding
- Strong real estate and CRE integrations
- Fast COI review turnaround
- Good for teams running both real estate and construction
- Limited customization flexibility for GC-specific requirements
- No self-service plan — pricing structured around managed services
- Vendor experience and portal feedback has been mixed in public reviews
- Fewer construction ERP integrations than Billy
Property management companies and CRE teams managing construction alongside real estate portfolios. Less ideal for pure-play GCs who need the deepest construction ERP integration and custom endorsement requirements.
BCS (Business Credentialing Services)
BCS (Business Credentialing Services) has been in the COI tracking space since 2008. They’re known for freemium access (up to 25 vendors at no cost), a 78,000-vendor pre-vetted network, and aggressive comparison content positioning themselves against every competitor in the market. They serve construction, property management, transportation, and public agencies.
BCS’s vendor network is genuine — if your subcontractors are already in their database, onboarding is materially faster. Their freemium tier provides real access without time limits. The RiskBot AI delivers real-time color-coded compliance feedback with no-login vendor submissions, which reduces friction for one-time or infrequent vendors.
- Freemium tier (up to 25 vendors, no time limit)
- 78,000+ pre-vetted vendor network
- No-login vendor submission
- Color-coded real-time compliance feedback
- Multi-industry (construction, real estate, transportation, public agencies)
- No managed services option — fully self-service
- Fewer construction ERP integrations than Billy
- Generalist platform; less construction-specialist than Billy or Jones
- No subcontractor prequalification module
Teams that want to start free and scale up, or smaller contractors managing fewer than 100 vendors who don’t need full managed services. Also worth considering for teams where subcontractors are likely already in the BCS network.
CertFocus (Vertikal RMS)
CertFocus is Vertikal RMS’s COI tracking platform. Vertikal published a “Best COI Tracking Software 2026” list ranking CertFocus at #1 and positioning competitors unfavorably — which is worth knowing when you encounter their content. That said, CertFocus is a legitimate platform with a real customer base in construction and property management.
CertFocus has experience with complex compliance requirements and full-outsource models where their team manages compliance entirely on your behalf. Their broker collaboration tools are noted positively in reviews. Integration with MRI, Procore, Sage 360, and Vista.
- Full-service outsource model available
- Broker collaboration functionality
- Experience with complex compliance requirements
- Requires vendor and tenant logins (reduces submission rates)
- COI review can slow during peak renewal periods per public reviews
- Customer support described as capped in some user reviews
- No branded automated emails reduces collection rates
- Limited construction ERP depth vs Billy
Teams that want full outsourced compliance management and are comfortable with a more managed model. Evaluate their vendor login requirement carefully if submission rate is a priority.
Feature comparison at a glance
| Feature | Billy | myCOI | Jones | BCS | CertFocus |
|---|---|---|---|---|---|
| AI endorsement review | Yes | Partial | Partial | Yes | Partial |
| No-login vendor submission | Yes | No | Partial | Yes | No |
| Managed services | Yes | Yes | Yes | No | Yes |
| Free tier | No | No | No | Yes (25 vendors) | No |
| Procore integration | Side Panel + native | Yes | Yes | Yes | Yes |
| Viewpoint Vista integration | Yes (AppXchange) | No | Yes | Yes | Yes |
| Sage 300 + Sage Intacct | Both | No | Sage 300 | No | Sage 300 |
| JD Edwards integration | Yes | No | No | No | No |
| Subcontractor prequalification | Yes | No | No | No | No |
| Real estate / property mgmt focus | Partial | Partial | Yes (primary) | Yes | Partial |
| Pre-vetted vendor network | No | No | 30,000+ vendors | 78,000+ vendors | No |
| W-9 collection | Yes | Limited | No | Limited | No |
Table based on publicly available information and product documentation as of March 2026. Features change — verify directly with each vendor before making a decision.
How to choose
The right platform depends on your specific situation more than any feature checklist. Here’s how to narrow it down:
The best COI tracking software is the one your team actually uses consistently. A feature-rich platform that requires 3 hours of training for each new compliance team member will get abandoned. Before buying, run a real pilot with real vendors — not just a demo. The friction in vendor submission, exception handling, and integration setup only shows up when you’re running live.
See Billy for yourself
We’ll show you the integration with your specific ERP, walk through how the AI review works on a real COI, and give you an honest sense of where Billy fits for your volume and team.
Summary
The five platforms construction teams evaluate most often — Billy, myCOI, Jones, BCS, and CertFocus — each have genuine strengths and real limitations. Billy leads on construction ERP depth and endorsement-level AI review. Jones leads for real estate and CRE dual-track compliance. BCS leads for teams that want a free starting point with a large vendor network. myCOI and CertFocus are strong for fully outsourced enterprise compliance management.
The choice comes down to your ERP stack, vendor volume, whether you need managed services, and how much construction-specific endorsement depth you require. No platform wins on every dimension — but for most construction GCs running Procore, Vista, Sage, or JD Edwards, the ERP integration depth and construction-specialist review matter most.
