In the construction industry, risk doesn’t just come from scaffolding heights or heavy equipment. One of the biggest threats is hidden in paperwork: an expired or missing Certificate of Insurance (COI).

When a subcontractor’s insurance lapses without anyone noticing, you’re not just exposed to legal and financial liabilities—you may also delay your entire project. That’s why COI compliance is no longer a clerical task. It’s a risk management imperative.

This buyer’s guide unpacks the top COI construction software platforms available in 2025—including strengths, limitations, and best-fit use cases—to help you choose the right tool for your business.

Why COI Management Is Now a Risk Priority

Manual COI tracking methods—like spreadsheets, email chains, or SharePoint folders—simply can’t keep up with modern construction risk requirements:

  • Subcontractor churn is high.
  • Insurance requirements vary by project and jurisdiction.
  • COIs often expire mid-project.
  • Verifying insurance language manually is time-consuming and error-prone.

Modern COI construction software addresses this by centralizing, automating, and enforcing compliance across projects and vendors.

Key Features to Look for in COI Construction Software

When evaluating platforms, look for these non-negotiable capabilities:

  1. End-to-End COI Automation: From collection and verification to renewals and compliance enforcement.
  2. Risk Intelligence: Proactive alerts before coverage lapses.
  3. Vendor Communication Tools: Self-serve portals, automated reminders, and document upload flows.
  4. Integrations: Sync with Procore, MRI, CMiC, or Yardi to keep compliance aligned with your existing workflows.
  5. Audit-Ready Reporting: Dashboards that can be exported instantly for internal risk teams or external insurers.

Best COI Construction Software Platforms in 2025

1. Jones

Best for: Enterprise-grade automation, integrations, and compliance enforcement

Jones stands out as the leading COI construction software due to its deep automation, risk intelligence, and seamless integrations with Procore, MRI Software, CMiC, and more.

Key Features:

  • Full-service COI collection, verification for compliance, and risk management workflows
  • Full-suite of tools to manage renewals, such as COI reminders
  • Risk alerts for upcoming lapses or non-compliant vendors
  • Pre-built integrations with leading construction and property tools
  • Real-time dashboards for compliance visibility
  • Vendor-friendly interfaces to reduce friction and speed up onboarding
  • Full-suite of risk transfer tools such as full policy verification, Indemnification Agreement flow, AM Best Rating check

Use Case Example: A national GC managing 75 vendors per project integrated Jones with Procore. Compliance approval times dropped by 70%, and legal exposure from lapsed COIs was eliminated.

Best For:

  • General contractors
  • Risk teams with large subcontractor networks

2. TrustLayer

Best for: Digital proof of insurance and fraud detection

TrustLayer provides digital COI verification and AI-powered fraud detection. It’s ideal for companies who want a modern frontend for requesting and verifying insurance.

Strengths:

  • AI-based COI verification
  • Fast, digital COI sharing
  • Lightweight setup for small teams

Limitations:

  • Lacks full compliance automation and enforcement workflows
  • Integration depth is limited beyond API-level syncs

3. myCOI

Best for: Basic document collection and audit support

myCOI offers COI tracking and storage capabilities for organizations seeking simple dashboards and reporting. It’s commonly used by compliance departments that are audit-focused.

Strengths:

  • Centralized COI document storage
  • Compliance audit reports
  • Useful for internal compliance teams

Limitations:

  • Limited automation of renewals or vendor workflows
  • Light integrations with platforms like Procore

4. Billy

Best for: Self-service COI management by vendors

Billy shifts the burden of compliance onto vendors by letting them upload and manage their own COIs. This makes it appealing for smaller teams looking to reduce internal oversight.

Strengths:

  • Vendor self-service COI updates
  • Simplified dashboard for quick status checks

Limitations:

  • Minimal risk intelligence or compliance enforcement
  • Heavily reliant on vendors for accurate tracking

5. PINS Advantage

Best for: Teams focused on COI storage without automation needs

PINS offers basic document storage and manual tracking. It’s a legacy-style solution more suited to firms not yet ready for full automation.

Strengths:

  • Simple repository for COI documentation
  • Basic tracking functionality

Limitations:

  • No automation for renewals or alerts
  • No integrations with major project tools

COI Construction Software Comparison Table

Platform Automation Level Risk Intelligence Vendor Tools Integration Depth Best Fit For
Jones Full automation Advanced Yes Deep (Procore, MRI, CMiC) Mid-to-large firms
TrustLayer Medium Moderate (AI fraud) Limited Moderate Firms focused on verification
myCOI Low Basic Limited Light Audit-focused teams
Billy Manual-heavy None Yes Minimal Small teams, vendor-led
PINS Manual None Limited None Firms not ready for automation

How Jones Compares to Other Platforms

Jones consistently outperforms competitors in four areas:

  1. Automation: Fully automates the compliance lifecycle—from COI collection and verification to renewal and alerts.
  2. Integrations: Deep, pre-built integrations into industry-standard tools (Procore, MRI, CMiC, Sage 300 CRE, Sage Intacct, Vista Cloud).
  3. Risk Management: Provides real-time risk intelligence and alerts to mitigate compliance gaps before they occur.
  4. Vendor Experience: Streamlined interfaces help vendors complete compliance quickly and accurately.

In contrast:

  • TrustLayer focuses on digital COI proof, but lacks full compliance enforcement.
  • myCOI helps with storage and audit prep, but doesn’t automate workflows.
  • Billy is low-cost, but vendor-dependent.
  • PINS functions as a digital file cabinet, without modern risk tools.

 

Implementation Considerations

Before selecting a COI platform, evaluate:

  • Size of your vendor ecosystem
  • Project volume and COI renewal frequency
  • Current software stack (e.g., Procore, MRI)
  • In-house compliance team bandwidth
  • Audit history and insurer requirements

A platform like Jones can centralize and automate risk at scale, while tools like Billy or myCOI may suit teams looking to digitize without major workflow change.

Final Thoughts: Compliance is Risk Management

In 2025, COI tracking isn’t just about checking a box. It’s about preventing costly mistakes that delay projects, trigger insurance issues, or open the door to litigation.

Choosing the right COI construction software is about matching your compliance maturity with the right level of automation, enforcement, and integration.

For most growing construction firms, Jones offers the best combination of automation, insight, and usability. It not only keeps you compliant—it keeps you ahead.

 

Next Steps: Learn more about Jones or schedule a demo to see how it transforms your compliance workflow.