autumn-coi

bySRD

. Certificate of insurance (COI) collection & vendor compliance tracking Problem. GCs, property managers and facilities teams must hold a current, correctly-endorsed COI for every subcontractor/vendor. Verifying additional-insured wording, waivers of subrogation and expiry dates is manual, and an expired COI on an injury claim shifts liability onto the hiring party. Target audience. Small-to-mid GCs (10–200 subs), property management firms, franchise operators, facilities and event venues — typically one risk/AP administrator. Existing competitors. myCOI / illumend — mycoitracking.com/pricing (category incumbent, "16 years of industry expertise", now AI-native "Lumie") TrustLayer — trustlayer.io (venture-backed incumbent) bcs (getBCS) — getbcs.com/pricing-and-plans COI Tracker — coitracker.co/pricing and COISoftware — coisoftware.com/pricing (self-serve micro-SaaS entrants) Estimated pricing (published). Vendor Published tiers bcs Free up to 25 vendors; Self-Service $0.95/vendor/mo ($11.40/vendor/yr); Full-Service $17.80/vendor/yr with $10,000 minimum annual spend — pricing page COI Tracker Free (10 vendors), Starter $29/mo (25), Growth $59/mo (100), Pro $129/mo (unlimited) — pricing page COISoftware Starter $49/mo (promo $24/mo, billed $288/yr), Plus $149/mo (promo $74/mo) — pricing page myCOI / illumend No price published — pricing page → n.a. TrustLayer No price published; "Pricing details for this product isn't currently available" — G2 → n.a. Why customers pay. One uninsured-sub claim can exceed the lifetime cost of the software; the $10,000 minimum annual spend of the full-service incumbent — bcs — proves the pain is worth five figures to mid-market buyers, leaving the sub-$100/mo tier wide open. Market validation. Funding: TrustLayer closed a $15M Series A in August 2021 — TrustLayer announcement; reported as $15.1M, total funding over $21M — Coverager and St Pete Catalyst. Reviews: myCOI 37 G2 reviews, 4.7/5 — G2; TrustLayer 15 G2 reviews, 4.8/5, average implementation 2 months — G2. Low review counts + 2-month implementations signal an under-served self-serve segment. Demand complaints: "new PM here — am I crazy, or is tracking sub insurance a complete nightmare?" — r/ConstructionManagers; "What is your go to solution for insurance tracking (for subs)?" — r/ConstructionManagers; "Does COI tracking cause issues for smaller construction teams?" — r/Construction. Opportunity score: 8/10. Incumbents are quote-gated and enterprise-priced; small GCs are visibly unserved and self-identify in public threads. Difficulty score: 4/10. Core app is simple; the differentiator (endorsement-language checking) is an LLM/OCR problem, not an infrastructure one. AI features. ACORD 25 parsing to structured fields; LLM comparison of policy limits/endorsements against the customer's contract requirement template; plain-English deficiency letters auto-sent to the sub's agent; renewal prediction from policy period; risk scoring of vendor portfolio; chat over the COI archive ("which subs lack waiver of subrogation on Project X?"). MVP features. Vendor list with required-coverage template per project or vendor class Broker/vendor upload link (no login) + email-in COI inbox OCR extraction of insurer, limits, policy period, additional insured Automated deficiency + expiry chase sequences to vendor and their agent Compliance dashboard and per-project compliance report export Document vault with version history for claims defence Slack/email digest of expiring-in-30-days vendors Growth channels. SEO against "COI tracking software pricing" (incumbents hide pricing — publish yours); insurance-broker referral partnerships (brokers hate chasing certificates too); construction subreddits and PM Facebook groups; free "COI expiry spreadsheet" lead magnet. Best niche to target first. Residential/light-commercial GCs and property managers with 25–150 active subs who currently pay nothing and are refused by enterprise vendors' minimum spend — priced $29–$99/mo, self-serve, no demo call. build end to end entire micro saas