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.
14-day trial, 25 subcontractorsNo credit card
8-20
hrs/week spent
chasing COIs*
chasing COIs*
$0
subcontractor
renewal upload
renewal upload
100%
audit trail,
time-stamped
time-stamped
* Industry estimates. Range via Expiration Reminder / Vertafore industry report, 2024.
Acord 25
Certificate of Liability Insurance
Date
02 / 14 / 26
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
- 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.
- 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.
01 - 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.
02
§ 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).
§ 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 your account dashboard. Refund policy.
No implementation call·Magic-link uploads·Printable 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
Project-specific requirements are not included in any plan yet. Tell us what you need.
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.
§ 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