COI tracking software compared
How GreenlightSubs lines up against other certificate-of-insurance tracking tools on the things small offices ask about first: published prices, free plans, how vendors send documents, and who reads the certificates. Every competitor detail comes from their own website, with a link to the page.
Short version: several of these tools read certificates for you with AI or human reviewers, and some have bigger free plans. GreenlightSubs doesn't read certificates for you. It's a flat, published price ($19/month for 50 vendors, $49/month for unlimited), no sales call, and automatic renewal chasing you can set up yourself.
| Product | Who it's for | Published price | Free plan | How pricing works | How vendors send documents | Certificate review | How you get started |
|---|---|---|---|---|---|---|---|
| GreenlightSubs | Small GCs and property managers | $19/mo for up to 50 vendors; $49/mo for unlimited | Yes, up to 5 vendors | Flat monthly price per plan, not per vendor; month to month | One upload link, no account or login | None automated: you look at each upload and approve it | Sign up online, no sales call |
| TrustLayer | Says it offers value for "businesses of all sizes" source | Not published for paid plans (Pro and Complete route to a demo) source | Yes, Starter is free up to 50 vendors source | "Pricing varies depending on platform usage." source | No sign-in required for vendors source | AI reads each COI, checks it against your standards and flags gaps source | Pro and Complete route to a demo source |
| BCS | Property managers, general contractors, risk managers, procurement teams source | Self-Service $0.95/vendor/month ($11.40/vendor/year), volume dependent; Full-Service $17.80/vendor/year, $10,000 annual minimum source | Yes, up to 25 vendors; permanent, not a trial source | Per vendor source | Mobile app, no bcs login required source | AI-powered automation with expert compliance review source | — |
| CertCove | Small general contractors source | Starter $99/mo (50 vendors); Pro $199/mo (250 vendors) source | Yes, 3 vendors, no credit card source | Monthly plans by vendor count; annual billing saves two months source | Secure upload link, no login source | AI checks; anything ambiguous routes to human review source | — |
| PINS Advantage | — | Plans start around $300/month; most annual contracts $7,500 or less source | No free trial mentioned source | Priced by number of COIs (bands from under 100 to 2,000+); unlimited users source | Upload link, no login required source | AI reads every COI and endorsement; your team keeps every approval decision source | Book a demo source |
| Jones | Commercial real estate owners/operators, property managers, construction GCs source | Not published source | No free trial mentioned source | Per record per year (typically per tenant or vendor record per property), billed annually; unlimited COIs source | No-login links source | AI-assisted, human-verified review source | Book a demo / talk to them source |
| illumend (formerly myCOI) | Any team responsible for third-party insurance compliance source | Not published source | No free trial mentioned source | — | Partners or their agents upload once source | AI ("Lumie") reviews 100% of COIs and endorsements automatically source | Schedule a demo source |
| CertFocus (Vertikal RMS) | — | Not published; priced by proposal source | — | By proposal; unlimited users at no extra cost source | Upload to the system or send by email source | AI extraction plus expert verification, usually within 24 to 48 hours source | By proposal source |
| SmartCompliance | Brokers, carriers, general contractors, risk managers, self-insureds, TPAs source | Not published source | No free trial mentioned; 30-day refund offered source | — | — | Uses OCR (optical character recognition) for compliance verification source | — |
| Procore | Procore Pay users: insurance status on a commitment needs the "Insurance Compliant" payment requirement turned on source | — | — | — | — | Status icons; "Expiring Soon" starts showing 14 days before the expiration date source | — |
Checked November 5, 2026; prices change — check their site. Each competitor fact links to the page we read it on. A dash means we couldn't confirm that detail from their site, so we left it out. If something here is wrong or out of date, email us and we'll fix it.
Trademarks belong to their owners. GreenlightSubs isn't affiliated with these companies.
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Try GreenlightSubs free
Free for up to 5 vendors, no card. Add your subs and their expiry dates, or import a spreadsheet, and each sub gets a no-login upload link before anything expires. You review and approve each upload.