Last updated: November 10, 2026
The best COI tracking software for general contractors in 2026 includes PINS Advantage, Jones, Billy, TrustLayer, illumend (formerly myCOI), and bcs. For most GCs, the choice comes down to two questions: who makes the compliance decision on each sub, and does compliance status reach Procore, Procore Pay, or Vista before a sub is on site or paid?
Quick picks:
- Best for in-house control with Procore Pay and Vista payment control: PINS Advantage
- Best for GCs that want to outsource insurance operations: Jones (Jones Operator)
- Best for GCs that also track W9s and business licenses: Billy
- Best free starting tier for small GCs: bcs (up to 25 vendors) or TrustLayer (up to 50)
COI tracking software for GCs compared
| Platform | Procore | Vista | Who decides |
|---|---|---|---|
| PINS Advantage | Side panel plus real-time status for Procore Pay | Writes compliance back automatically | Your team |
| Jones | Side panel, nightly status sync, payment blocking | Payments contingent on compliance | Your team or Jones specialists |
| Billy | Project and vendor data sync | Not listed | Your team |
| TrustLayer | Status write-back on Pro plan; panel in preview | Pro plan | Your team |
| illumend (myCOI) | Listed | Listed | Lumie, with humans on edge cases |
| bcs | Listed | Not listed | Your team or the bcs team |
Integrations and features are as listed on each vendor's website in November 2026. "Listed" means the vendor names the integration without detail on what it writes back.
What general contractors need from COI tracking software
Subcontractor COIs are a different problem from vendor certificates. Look for these six things:
- Requirements built from the subcontract. Owner requirements flow down and change by project. The software should build them from the contract, not make your team rebuild them each time.
- Endorsement language, not just form numbers. A matching CG 20 10 or CG 20 37 is a first check. The wording decides whether the owner is covered, whether completed operations are included, and whether project limits apply. Project teams should not have to be insurance experts to catch it.
- Sub-tier subs. Claims move up the chain. Ask how lower-tier subs are set up and reviewed. See Sub-Tier Subcontractor COI Compliance.
- Payment control. The costly problems show up late: a sub paid with expired insurance, a sub on site without a certificate, a lapse found at audit. Status that reaches Procore Pay or Vista AP before payment prevents them. Ask whether it updates in real time, hourly, or nightly.
- PM visibility in Procore. Project managers decide who mobilizes and should see coverage without emailing the compliance team.
- Audit-ready records. Every approval, waiver, and exception logged and exportable for owners and workers comp auditors.
A PINS finding on a sub's blanket additional insured endorsement with direct contract wording, with the reasoning and a link to the source page.
The best COI tracking software for general contractors
1. PINS Advantage
Best for: General contractors that want AI to read every sub's COI and endorsements, with their own team making the final compliance decision.
PINS builds requirements from your subcontract, including scheduled additional insured parties, or you assign templates by trade or risk tier. Subs and brokers upload with no login. The PINS AI Assistant reads each COI and the actual endorsement language, identifies issues with its reasoning, and your team approves, rejects, or waives. Sub-tier subs get their own records linked to the first-tier sub.
The Procore integration is included at no extra cost, with a side panel and Approved or Not Approved status written in real time to the commitment Compliance tab that Procore Pay checks. Vista gets compliance written back automatically for AP. At Morley Builders, one person now does the COI work that used to take three. Pricing starts around $300 per month, with unlimited users. See PINS for Procore.
2. Jones
Best for: General contractors that want to hand day-to-day insurance work to an outside team.
Jones pairs AI with insurance specialists who verify review results, and its Jones Operator plan adds a dedicated specialist for sub follow-up, waivers, and renewals. In Procore, users can request COIs and view status, statuses sync from Jones every night, and accounting can block payments to non-compliant subs. Jones also lists Vista and CMiC integrations. See Jones alternatives.
3. Billy
Best for: General contractors that want COIs, W9s, and business licenses in one construction-focused tool.
Billy is built for builders. It collects and verifies COIs, W9s, business licenses, and other compliance documents, with no login required for subs or brokers. Project and vendor data syncs from Procore, and it has added a Trimble ProjectSight integration.
4. TrustLayer
Best for: GCs that want self-service software with broker collaboration, starting free at low volume.
TrustLayer's Starter plan is free for up to 50 vendors. Procore, CMiC, and Vista integrations are on its Pro plan, and its Procore integration writes compliance status back. An in-Procore compliance panel was in early-access preview as of October 2026. See TrustLayer alternatives.
5. illumend (formerly myCOI)
Best for: GCs that want AI to make compliance decisions so their team can step back.
illumend describes its Lumie AI as reading every COI and endorsement and making the compliance decision, with humans handling edge cases. It lists Procore, Vista, and CMiC integrations. GCs that want documented human sign-off should ask what level of review is included. See illumend (myCOI) alternatives.
6. bcs
Best for: Small GCs that want a low-cost start, with a full-service option.
bcs is free for up to 25 vendors and about $0.95 per vendor per month for self-service, with a Procore integration listed. Its full-service plan adds analysts who call subs and their agents, with a $10,000 annual minimum. See bcs alternatives.
For the full market, including platforms built for property management and broader vendor risk, see Best COI Tracking Software in 2026.
Questions general contractors should ask in a demo
- Can you build requirements from our subcontract and owner exhibit, by project, including sub-tier subs?
- Can we run one of our subs' endorsements through review now?
- How fast does a decision reach Procore Pay and Vista: real time, hourly, or nightly?
- What does the audit export look like for an owner or a workers comp auditor?
See it on one of your subs. Bring a subcontract and a sub's COI and endorsements to a demo. We will build the requirements from your contract and run the endorsements through review live on the call. Book a Demo
Frequently asked questions
What is the best COI tracking software for general contractors?
The best COI tracking software for general contractors depends on who you want making the compliance decision. PINS Advantage fits GCs that want to keep compliance in-house, with AI that reads subcontractor endorsement language and status written to Procore Pay and Vista. Jones fits GCs that want to outsource insurance operations. Billy fits GCs that also track W9s and business licenses.
Does Procore track subcontractor COIs?
Procore has an Insurance tab where certificate details can be entered by hand and a Compliance tab on commitments that can be set manually for Procore Pay. It does not read endorsement language or review certificates against your subcontract. Most GCs connect a dedicated COI tracking tool that writes status back to Procore. See COI Tracking in Procore.
Can COI tracking software stop payment to a non-compliant subcontractor?
Yes, through your project or accounting system. PINS writes Approved or Not Approved status in real time to the commitment Compliance tab that Procore Pay checks, and writes compliance back to Vista automatically so AP can hold payment. Depending on your Procore Pay settings, a Not Approved sub can be held or shown with a warning before payment goes out.
How do general contractors track sub-tier subcontractor insurance?
Most GCs require flow-down insurance clauses and then collect COIs and endorsements from lower-tier subs, either directly or through the first-tier sub. In PINS, each sub-tier sub is its own record linked to the first-tier sub it works under, with its own requirements, endorsement review, and expiration tracking. See Sub-Tier Subcontractor COI Compliance.
Is there COI tracking software for small general contractors?
Yes. Small volume is a good fit for most platforms. bcs is free for up to 25 vendors and TrustLayer is free for up to 50. PINS pricing starts around $300 per month with month-to-month options and unlimited users, so a small GC can add project managers and AP without paying per seat.