MyCOI Alternatives: 6 Options for General Contractors 2027

The category decision comes before the vendor

If your subcontractor certificates are scattered across inboxes and project folders, the decision you face is whether you need a tool that stores certificates or one that also checks them against your requirements and chases the vendor when something is missing. Most general contractors need the second kind, because a stored PDF does not tell you whether the policy meets the subcontract. This guide compares six options: Billy, BCS, Jones, TrustLayer, Certificial, and Avetta. MyCOI stays in the comparison as the baseline. Its AI product, illumend, is run by the same company, so it is not a separate alternative.

TL;DR: shortlist the tools that read endorsements, link to Procore, and show a price at your subcontractor count, then test each one against your own numbers before you sign. BCS is the only option here that publishes a per-vendor rate on its pricing page, so it is the easiest one to compare on paper. The rest require a quote before you can compare costs.

Key Takeaways

• A COI tracker earns its price through the chase and the review. Storing PDFs does neither.

• A certificate summarizes coverage. It cannot change the policy, so endorsement review is the step to test in every demo.

• BCS is the only option on this list that publishes a per-vendor rate, and its Full-Service plan carries an annual minimum.

• Procore links differ in direction and scope. BCS, Billy, Jones, and myCOI each name a Procore integration, but what syncs back varies.

• Most options are quote-based, so ask every vendor for a price at your exact subcontractor count.

• Building the chase in Zapier or Make works only if you own retention, retries, escalation, and access controls.

What a certificate can and cannot prove

A certificate of insurance (COI) is a summary form that an agent issues to show the coverage that exists on a given date, and it is not the policy itself. The New York Department of Financial Services has said that ACORD certificates "may not be used to amend, expand, or otherwise alter the terms of the actual policy" according to New York DFS (opinion dated December 4, 2002). That matters for tool selection because the useful check is whether the policy limits and endorsements match your subcontract, not whether a PDF was uploaded. Any tracker you evaluate should show how it reads endorsements, how it flags missing additional-insured wording, and who makes the call when the certificate and the subcontract disagree.

Who this is for

This guide is for an owner or operations lead at a small construction business who is close to choosing a subcontractor COI tracker and wants the field narrowed to a short list. It assumes you already collect certificates from subcontractors and want fewer hours spent chasing them.

Red flags: you expect software alone to decide whether an endorsement meets your subcontract, nobody on your team owns escalations when a vendor stops responding, or your subcontractor list lives in several spreadsheets with no single record.

How we evaluated these tools

This is an informed buyer's guide built from public information. We opened each vendor's official pages where they loaded, then checked the claims against trade press, a state regulator's opinion, and vendor help documentation. Where a vendor's own page and a competitor's comparison disagree, we say so and treat the competitor's claim as unverified. The weights below reflect our judgment about what a general contractor should prioritize. They are not vendor scores, and they are not drawn from a survey.

Coverage verification and chasing together carry 45 percent of the weight, because those are the tasks that consume project-manager time.

Feature matrix across the six options

A "not stated" cell means the page did not say so. It does not mean the feature is missing. BCS is the only option whose pages show a per-vendor rate, a Procore integration, and a managed tier together, which is why it is the first quote to request.

Pricing and total cost

Pricing checked October 26, 2026. Only BCS and Certificial publish a number on the pricing pages we opened, and the units differ, so the table below states each one as published.

Self-Service rate: $0.95 per vendor per month according to BCS (2026). BCS's own page converts that to $11.40 per vendor per year and notes that the rate depends on vendor volume. The Full-Service plan uses a different structure, and its minimum changes the math for smaller teams.

The table below applies BCS's published rates to four subcontractor counts. The Self-Service column multiplies the count by $11.40 per year. The Full-Service column multiplies by $17.80 and then applies the $10,000 minimum.

Full-Service costs more than its minimum only from 562 subcontractors, because 562 times $17.80 is $10,003.60. Below that count, the minimum is what you pay.

Illustrative scenario, not a customer: a general contractor tracks 120 active subcontractors. At $11.40 per vendor per year, Self-Service comes to 120 times $11.40, or $1,368. Full-Service at $17.80 would come to $2,136, but the $10,000 minimum applies, so the difference is $7,864. If the team instead builds the chase in Zapier, a log stream can deliver a zap_execution.error event with run_id and error_message fields, according to Zapier's log-stream help article, but log streams capture only events that occur after they are created, so failed runs from before setup are not available.

Vendor profiles: where each option fits

Each profile covers best fit, limitations, implementation, and the primary page behind the claims. Competitor claims are labeled as competitor claims.

Billy

Best fit: a general contractor that wants construction-specific COI tracking, Procore links, and an AI review step, with a managed option if the team does not want to chase vendors. Billy's self-service page names Procore in its main integrations text, alongside Autodesk, Viewpoint Vista, CMiC, DocuSign, and Sage 300, and describes automated renewal requests and compliance verification.

Limitations: pricing is not published. Billy's FAQ says it provides "a personalized quote" and does not list a free tier according to Billy (2026). Billy's comparison pages are written by Billy and describe rival products, so treat their claims as vendor-stated.

Implementation: request a quote at your subcontractor count, then ask for the Procore integration steps in writing before you commit.

BCS

Best fit: a general contractor that wants a published per-vendor rate, a free tier for a small subcontractor list, and a Procore app that sends compliance requests project by project. BCS's Procore setup article lists an active BCS account, the Directory and Portfolio tools in Procore, installation from the Procore Marketplace, and notifying the account manager before data begins syncing. The BCS Procore setup article also says compliance status updates in real time as documents are processed.

Limitations: BCS's pricing page is internally inconsistent. It lists $2 per vendor per year for integrations on Self-Service and Full-Service, but its Self-Service feature list says integrations carry no additional cost. The Self-Service rate depends on vendor volume. The Procore article refers to "subs" rather than listing vendors as a separate mapped object, so confirm in writing how vendor records map before go-live. The sync-back timing is not published.

Implementation: the Procore link maps projects, contacts, and companies into BCS, after which BCS triggers document requests for each project. Changes in compliance status sync back to Procore.

Jones

Best fit: firms that manage construction and real-estate records and want expert verification built into the service. Jones says it does not charge vendors, subcontractors, or tenants to submit insurance documents according to Jones (2026). Its integrations list includes Procore, CMiC, Vista Viewpoint, and MRI.

Limitations: pricing is per record per year, and the page does not define "record," state contract minimums, or give add-on prices. The Operator concierge service, which takes over outreach and resolution, is an add-on with no published price.

Implementation: ask Jones to define a record for your portfolio, then request a quote on that definition so the number is comparable with the others.

TrustLayer

Best fit: teams that want an automated platform and will configure their own verification rules. TrustLayer's broker page lists premium onboarding, integrations with Procore and QuickBooks, and TrustLayer+ full-service COI management as optional add-ons according to TrustLayer (2026).

Limitations: the page lists no dollar figures and sends buyers to a pricing calculator run by a sales representative. Billy's comparison describes TrustLayer's human review as a paid add-on. That is a competitor's description, and the TrustLayer page does not settle the question, so ask for it in writing.

Implementation: a sales call sets the price. The broker page describes the base subscription as covering automated requests, collection, follow-up, and verification of onboarding documents.

Certificial

Best fit: a company whose insurance agent runs Applied Epic and wants automated certificate issuance. The Professional tier on Certificial starts at $99 per month according to Certificial (2026), and the page lists unlimited users for that tier.

Limitations: this is a weaker fit for a general contractor. The site names suppliers, agencies, brokers, insureds, and technology platforms as its audiences. It does not name general contractors or construction, and it does not mention Procore. The Basic tier tracks up to 5 suppliers, and the page does not state a supplier cap for Professional.

Implementation: confirm the Professional supplier limit on a sales call before you compare costs. The site says the Applied Epic plugin is free for Applied Epic and CSR24 users.

Avetta

Best fit: a general contractor acting as the hiring client that wants prequalification documents shared across customers. Avetta's product page describes central document storage that can be shared across clients, a review of policy, limit, and endorsement requirements that can be exported for an insurance agent, and audits by Avetta specialists. The Avetta product page is the primary source for these claims.

Limitations: the page is aimed at contractors and suppliers, does not name general contractors or construction, does not state who pays, and publishes no dollar figures. It says membership includes free compliance tools.

Implementation: contractors register and upload their policies, or their agent uploads them. The hiring client sets the requirements. Expect a quote-based cost.

myCOI (the baseline)

myCOI is the product you searched for, and it is now sold under the illumend name. The illumend site describes illumend as "the AI-native insurance compliance platform from myCOI," lists construction as one of seven target industries, and names integrations with Procore, Viewpoint Vista, CMiC, and Yardi. The site's footer reads "© 2026 myCOI LLC." The Procore link syncs compliance reviews into Procore Pay's Insurance Compliance module, and the November 2024 release says those reviews sync within two hours according to Construction Dive (2024).

Procore sync window: two hours according to Construction Dive (2024).

Billy's comparison, which Billy wrote, says myCOI requires a 200 COI minimum just to access the platform according to Billy (2026). That is a competitor's claim, and we could not confirm it on myCOI's own pages. Pricing is quote-based. The illumend site points buyers to its team to add the product to a subscription package.

Build it in Zapier or Make, or scope a configured workflow

Some buyers ask whether the chase can be built in a general automation tool. Those tools can run the job and keep evidence when they are configured. Zapier's help center says it can only guarantee a maximum of 60 days of run data, that Zap history displays up to 10,000 runs, and that unsuccessful runs can be replayed from the history page, according to Zapier (2026).

Zap run data guarantee: 60 days

Make's error handlers include Retry, which stores incomplete executions for automatic or manual retries, and Commit and Rollback, which stop a scenario and either keep or revert the changes it has already made, per Make's error-handler documentation.

Those tools can support run histories, retries, error branches, and audit evidence when they are configured. The buyer still designs and owns idempotency, so a reminder is not sent twice, along with escalation to a named person, access controls over insurance documents, and maintenance after the builder leaves.

A proposed US Tech Automations design for this problem would start with a scheduled trigger that reads your subcontractor list and expiration dates, from a spreadsheet or a vendor record in your accounting system. The action would draft a renewal request for each vendor whose certificate falls inside a window you set, and it would write the results to a dated exception list. The output is a list that a project manager approves before anything is sent. Prerequisites are export or API access to the vendor list, a written requirements sheet that states limits and endorsement wording for each project, and a named approver. The US Tech Automations homepage names QuickBooks, Gmail, and Google Sheets among its integrations, which makes them the likely starting points, but the homepage does not describe a COI-specific connector, so this would be scoped as custom work.

A second design for the review step would extract the limits and endorsement wording from each certificate into a checklist and route any gap to the project manager. Human review points stay fixed: a person confirms each endorsement against the subcontract, approves any payment hold, and decides whether a vendor can start work. The output is a status per vendor and a log of who approved what. This is a configurable design, not a current deployment, and it does not replace a licensed insurance review for high-value subcontracts.

Who should choose which option

When NOT to use US Tech Automations: skip a proposed build if an existing managed COI service already reads endorsements and chases vendors for you, because a second system adds a second record to reconcile. Skip it if your subcontractor count fits BCS's free tier for up to 25 vendors and you only need reminders, since a free tier with no build is simpler. Skip it if you need a licensed insurance professional to read policies, because the US Tech Automations homepage describes AI agents and managed workflow delivery and does not describe insurance review.

Common mistakes to avoid

• Treating an uploaded certificate as proof of an endorsement. Check the endorsement wording itself.

• Comparing rates without the minimum. BCS's Full-Service minimum changes the cost for any subcontractor count below 562.

• Assuming a Procore link covers every record type. Confirm which objects sync, and in which direction, in writing.

• Accepting a price that does not state its unit, whether per vendor, per record, or per assignment.

• Building a chase in Zapier or Make without a retention plan, a retry rule, and a named escalation path.

Decision checklist before you sign

• Write down your subcontractor count and ask each vendor to quote at that exact number.

• List the endorsement wording your subcontracts require, and ask each vendor to show how its product reads that wording.

• Confirm which Procore objects sync and in which direction, and when the sync runs.

• Ask what the base price includes and what is an add-on, including human review and integrations.

• Request a full data export and the sync timing before you commit to a contract.

Frequently asked questions

Is MyCOI still sold as a separate company?

The company still operates as myCOI LLC, and its AI product is marketed as illumend. The mycoitracking.com address now redirects to the illumend site, whose footer reads "© 2026 myCOI LLC."

Is there a free option for a small subcontractor list?

Yes, BCS's free tier covers up to 25 vendors at $0 according to BCS (2026). Above that count, the paid tiers apply, and the Self-Service rate depends on vendor volume.

Does a certificate prove a subcontractor has coverage?

No. A certificate shows what the agent states on a date, and the New York DFS opinion says it cannot amend the policy, so the limits and endorsements in the policy are what you verify.

Does the Procore link work in both directions?

It depends on the vendor. BCS's Procore setup article says compliance changes and updated insurance details sync back into Procore, while the myCOI release describes syncing into Procore Pay's Insurance Compliance module. Confirm the direction and the record types in writing.

Can Zapier or Make replace a COI tracker?

They can run reminders and keep logs, but they do not provide a COI verification product by themselves. Zapier's help article says it guarantees 60 days of run data, so you must own longer retention, escalation, and the endorsement review.

Is a configured US Tech Automations design already running for COI tracking?

No. The design described above is a proposed, configurable workflow, and the homepage does not describe COI or subcontractor compliance work. Any build would need its own scope, prerequisites, and human approval points.

Conclusion

For a general contractor comparing MyCOI, start with the category decision: a tracker that reads endorsements and links to Procore, priced at your subcontractor count. BCS is the only option here with a per-vendor rate on its pricing page, so it is the most practical first quote. Billy, Jones, and TrustLayer need a quote before you can compare costs, and Certificial and Avetta fit general contractors less directly. Before you sign, get the price at your exact count, have the endorsement check described in writing, and confirm the Procore sync direction. To see how a configured review and reminder design would look for your subcontractor list, see how US Tech Automations configures this.