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Compare your COI tracking options

Short answer

The three realistic ways to track certificates of insurance are a spreadsheet, software, or a done-for-you service. They differ most in who does the chasing. These pages compare cost, effort and risk without assuming ours is always the answer. Start with the cost page if you’re deciding what to spend.

Written by Liam · CertChase · Last reviewed October 3, 2026

In this section

01Cost comparisonCOI tracking costWhat does COI tracking really cost? Compare spreadsheet, software and done-for-you options, including the staff time most comparisons ignore.02ComparisonSoftware vs done-for-youSoftware automates reminders. A service does the chasing. See which fits your vendor count, team and risk, with an honest recommender.03ComparisonTracking vs spreadsheetA spreadsheet works until it does not. Score your current process and see when COI tracking is worth the switch.04ComparisonCOI tracking options for small contractorsFree tiers, per-vendor software and done-for-you services compared for small contractors, with real prices and what to ask any vendor.

Coming next

We build a page only when we can add something useful for that place or segment.

Brand-vs-brand comparisonsLater phase

Which comparison do you need?

What will it cost? COI tracking cost.
Software or a service? Software vs done-for-you.
Is my spreadsheet enough? Tracking vs spreadsheet.
Who else is out there? Best COI tracking software for small contractors, compared.

Frequently asked questions

What’s the cheapest way to track subcontractor insurance?

A spreadsheet costs nothing in fees but takes your time. Free software tiers cost nothing but you still chase the paperwork. A service costs money and removes the chasing.

Do you compare other companies fairly?

We use prices from each company’s own pages and third-party comparisons, say when a number is an estimate, and tell you to check current pricing.

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