# Best contractor insurance compliance software for general contractors (2026)

> Subcontractor compliance is bigger than the certificate. Here's which tools stop at the COI, and which also cover endorsements, prequalification, lien waivers, payroll or full policies.

Published Nov 13, 2026 by Forsured. Buyer's guide. Source: https://forsured.ai/blog/subcontractor-insurance-compliance-software/

![Contractor insurance compliance software compared on what each covers beyond the certificate](https://forsured.ai/blog/subcontractor-insurance-compliance-software/hero.png)

## The short version

- All eight major tools track certificates and look at endorsements. They differ on what else they cover: Billy adds prequalification, certified payroll, lien waivers and warranties; Jones and bcs offer full policy review; Certificial monitors policies through the agent.
- Pick on the gap you can't close today. If it's endorsements, choose depth of review. If it's payments going to non-compliant subcontractors, choose the tool that reaches accounting.
- Insurance compliance is one piece of subcontractor risk. Prequalification, safety and financial checks often live in separate tools, so ask what connects.

"COI tracking" and "subcontractor insurance compliance" get used as if they mean the same thing. They overlap. COI tracking is collecting certificates and watching dates. Subcontractor insurance compliance is proving that each subcontractor's actual coverage meets what the contract and the owner require, for as long as it has to, and acting when it doesn't.

This guide compares the eight tools in our [full comparison of COI tracking software for construction](/blog/best-coi-tracking-software-construction/) on that wider job. Every fact comes from each vendor's own pages, linked under Sources.

## What compliance covers beyond the certificate

| Tool | Endorsement review | Beyond insurance | Policy-level view | Reaches accounting |
|---|---|---|---|---|
| Forsured | Wording against each project's requirements | No | Monitoring after approval | Procore for early access customers |
| Billy | Missing required forms | Prequalification, certified payroll, lien waivers, warranties | No | Yes, construction ERPs listed |
| PINS Advantage | Wording, with the page linked | No | No | Status on the Procore commitment |
| TrustLayer | Required language and equivalents | No | Pulse verifies a policy at the source | Pro tier integrations |
| Jones | AI and specialists | No | Policy Review add-on | Procore |
| bcs | Endorsement type with a matrix | No | Full policy review on full service | Procore, Yardi, MRI |
| illumend | AI reads every endorsement and decides | No | No | Procore, as myCOI |
| Certificial | Extracted details to accept or reject | No | Live data from the agent of record | Not listed |

## Pick on the gap you can't close

**If endorsements are the gap,** pick on review depth. PINS Advantage, TrustLayer, illumend and Forsured read wording; Billy and bcs check which forms are present. See [which COI tracking software checks endorsements](/blog/coi-tracking-software-endorsement-review/).

**If you're paying non-compliant subcontractors,** pick the tool that reaches accounting. [Billy](https://billyforinsurance.com/) lists Procore, CMiC, Sage 300, Sage Intacct, JD Edwards, Viewpoint Vista, Trimble ProjectSight and Acumatica among its integrations.

**If the certificate hides exclusions,** pick policy-level review: Jones's Policy Review add-on or bcs full service.

**If mid-term cancellations worry you,** Certificial's model, with certificates from the agent of record, is built to flag changes as they happen. It depends on the agency being on their network.

**If requirements change by owner and project, and the fix keeps dying in email,** that's what Forsured is built for: each project's requirements and exceptions, and a shared workspace where the broker sees the gap, the requirement and the project.

## Where insurance compliance stops

Prequalification, safety records and financial checks are part of subcontractor risk too. Billy covers prequalification alongside insurance; most other tools here stay on insurance. If you already run a prequalification platform, ask each COI vendor what it connects to.

## About this guide

This guide was written by the Forsured team. Forsured makes one of the tools described here. No vendor paid to be included or saw this page before it was published. Every vendor fact comes from that vendor's own public pages as of the dates under Sources. Products change, so confirm with each vendor.

## About Forsured

Forsured is construction insurance compliance software for general contractors and the brokers who insure their trade contractors. You set each project's insurance requirements once. Forsured reads every contractor COI and endorsement against them, flags each gap with the reason, and keeps checking through renewals until the job is done.

- Project requirements with exceptions, not one template for every job
- Endorsement review (additional insured, waiver of subrogation, primary and noncontributory), not just the certificate
- A shared workspace where the contractor's broker sees exactly what's missing
- A person on your team approves every result, with a full review history

> "What stood out to us is that Forsured doesn't just organize the paperwork. It helps us understand what meets the project requirements, what needs attention, and what needs to happen next. That clarity across the GC, subcontractor, and broker is where we see the real value." -- Stephanie Massei, Milestone Construction

Free COI risk check: send one project's requirements and a contractor COI or two, and we'll show you every gap we find. https://forsured.ai/#demo

## Common questions

### What is subcontractor insurance compliance software?

Software that collects each subcontractor's certificates and endorsements, checks them against the general contractor's and owner's insurance requirements, flags gaps, follows up with the subcontractor's broker and tracks renewals. Some tools also cover prequalification, lien waivers, certified payroll or full policy review.

### What is the best subcontractor insurance compliance software for general contractors?

For requirements that change by project and a broker who fixes the gap in a shared workspace, Forsured. For insurance plus prequalification, lien waivers and certified payroll in one construction tool, Billy. For full policy review, Jones or bcs full service. For deep endorsement wording checks, PINS Advantage. For live policy data from the agent, Certificial.

## Sources

1. [Billy home page and integrations menu](https://billyforinsurance.com/), Billy, checked Nov 13, 2026
2. [FAQ: requirements, renewals and pricing](https://billyforinsurance.com/resources/faq/), Billy, checked Nov 11, 2026
3. [Pricing and plans](https://getjones.com/pricing/), Jones, checked Nov 11, 2026
4. [Pricing and plans](https://www.getbcs.com/pricing-and-plans), bcs, checked Nov 13, 2026
5. [Certificial home page](https://www.certificial.com/), Certificial, checked Nov 13, 2026
6. [AI COI review](https://www.pinsadvantage.com/product/ai-coi-review), PINS Advantage, checked Nov 11, 2026
7. [Enhanced Endorsements](https://www.trustlayer.io/pages/enhanced-endorsements), TrustLayer, checked Nov 11, 2026
8. [illumend home page](https://www.illumend.ai/), illumend, checked Nov 13, 2026

General information, not legal or insurance advice. Forsured is a software company, not a law firm or a licensed insurance agency. Confirm anything you'll rely on with your broker or attorney.

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Forsured: construction insurance compliance software. https://forsured.ai · hello@forsured.ai