If you’re evaluating subcontractor insurance tracking tools, myCOI and SubTrack will likely be on your shortlist. This page explains how their pricing approaches and feature sets differ so you can choose the best fit for your GC or construction firm.
Who this comparison is for
General contractors and construction ops teams that need to collect, track, and renew subcontractor certificates of insurance (COIs) — without turning compliance into a full-time job. If you’re comparing tools or budgeting for next quarter, this is for you.
Quick summary
- myCOI: Established vendor with broad feature coverage and add-on options. Pricing is typically quote-based and can vary with vendor count, services, and support levels.
- SubTrack: Modern, AI-native workflow to organize subs, request COIs, and stay on top of expirations. Transparent, self-serve setup and month-to-month flexibility. SubTrack does not act as a legal or compliance authority and does not verify insurance directly with carriers.
Pricing models at a glance
Exact prices change over time and often depend on your volume and options. Here’s the common structure buyers encounter in this category:
- Per-subscriber/vendor tiers: Plans scale with the number of subcontractors you manage.
- Service add-ons: Some vendors offer optional outreach or document-review services at additional cost.
- Implementation and onboarding: Enterprise packages may include one-time fees for setup, SSO, or training.
- Support level: Response-time SLAs and dedicated CSMs may be bundled into upper tiers.
SubTrack focuses on simple, transparent subscription pricing you can self-serve. For current details, see the SubTrack pricing page.
Feature comparison: what matters in day-to-day use
- COI collection workflow: Request documents from subs, track who’s overdue, and send reminders without manual chasing.
- Expiration tracking: Keep expirations visible and act before coverage lapses. Automated notifications reduce last-minute scrambles.
- Requirements communication: Clearly share what coverage your project requires so subs know what to upload.
- Document organization: Centralize COIs, endorsements, and W-9s by subcontractor and project.
- Collaboration: Let PMs and admins see the same source of truth, so compliance isn’t stuck in one inbox.
SubTrack is built to make these basics fast and reliable. It does not provide legal opinions or certify compliance; it keeps you organized so your team can make informed decisions.
Total cost of ownership checklist
- How many active subcontractors will you manage this quarter and over a 12-month horizon?
- Do you want vendor outreach or document review services, or will your team handle it in-house?
- Will you need SSO, custom roles, or integrations that add setup effort?
- How quickly do you need to be live? Can you self-serve setup within a day, or do you prefer a managed rollout?
Answering these questions will clarify whether a quote-based package or a simpler subscription like SubTrack is the better fit.
When to choose each
- Choose myCOI if you need a mature vendor catalog and expect to bundle additional services through a single provider.
- Choose SubTrack if you want a lean, self-serve system to organize subs and stay on top of expirations with minimal overhead.
Next steps
- See SubTrack pricing to estimate your monthly cost.
- Start a trial and load a few subs to validate workflow fit with your team.
Important notes and disclaimers
- SubTrack does not verify insurance with carriers.
- SubTrack is not a legal or compliance authority; it helps you organize documents and workflows.