Stop chasing your subcontractors’ COIs.
Wardly is certificate-of-insurance tracking software that automatically collects, grades, and monitors your subcontractors’ COIs against your requirements—so you’re never caught with an expired or non-compliant sub on the job. And it’s completely free, forever.
100% free, forever· Unlimited subs· No credit card
Spreadsheets and email weren’t built to track insurance.
One missed endorsement or lapsed policy, and a subcontractor’s claim becomes your problem. The manual way leaves gaps you only find out about after something goes wrong.
Endless follow-up
Chasing subs over email for the right certificate—then chasing again at every renewal.
Easy-to-miss gaps
Missing additional insured, no waiver of subrogation, limits below your contract—hidden in a PDF nobody reads closely.
Silent expirations
A policy lapses mid-project and your spreadsheet never tells you. The coverage gap surfaces only when there’s a claim.
From request to verified compliance in three steps.
Set it up in minutes—no onboarding calls, no enterprise sales cycle.
Add a subcontractor
Enter your sub’s details and the coverage requirements they need to meet for your project.
They upload their COI
Your sub gets a secure link to upload their certificate—no account or login required on their end.
Wardly grades & tracks it
We grade each certificate A–F against your requirements and watch every expiration date for you.
Watch Wardly score a COI in real time.
No mockups—this is the actual product, from “add a subcontractor” to a graded, tracked certificate.
Plays on loop · scrub the timeline to step through it yourself.
Wardly reads a COI the way a risk manager would.
Every ACORD 25 certificate is checked line by line against the coverage you require—not a generic template.
New to COIs? Browse our insurance glossary.
Coverage limits
General liability, workers’ comp, auto, and umbrella limits verified against your minimums.
Additional insured
Confirms the right endorsement is in place—including the form, like CG 20 10.
Waiver of subrogation
Flags whether the waiver your contract requires is actually granted.
Primary & non-contributory
Checks the language that keeps your policy from paying first.
Expiration dates
Every policy monitored around the clock, with reminders before it lapses.
A–F compliance grade
A single, clear score for every sub—so you know exactly where each one stands.
Wardly vs. myCOI vs. a spreadsheet.
How self-serve COI tracking built for general contractors stacks up against the enterprise incumbent and the status quo.
| Feature | Wardly | myCOI / illumend | Spreadsheet & email |
|---|---|---|---|
| Setup | Minutes — self-serve | Onboarding + sales call | Build it yourself |
| Pricing | Free forever, unlimited | Custom enterprise quote | Free (your hours) |
| Subs upload without an account | Vendor login required | ||
| Instant A–F compliance grade | Manual analyst review | ||
| Additional insured, waiver & ACORD 25 checked | By hand | ||
| 24/7 expiration monitoring & reminders | |||
| Purpose-built for GCs tracking subs | Broad — many industries | ||
| Managed human analyst service | — |
Comparison based on publicly available information as of 2026. myCOI is rebranding to illumend. Trademarks belong to their respective owners.
Frequently asked questions
What is COI tracking software?
COI tracking software collects certificates of insurance from your subcontractors and vendors, checks each one against the coverage you require, and watches every policy for expirations and gaps. Instead of a spreadsheet and a folder of PDFs, you get a live, always-current view of who is compliant and who is not.
How does Wardly work for general contractors?
Add a subcontractor and the coverage requirements for your project. Wardly sends them a secure link to upload their COI — no account or login needed on their end. We read the certificate, grade it A–F against your requirements, flag anything missing, and track the expiration so you are reminded before coverage lapses.
What does Wardly check on a certificate of insurance?
Wardly reads ACORD 25 certificates and verifies coverage types and limits (general liability, workers’ compensation, auto, umbrella), additional insured endorsements, waiver of subrogation, primary and non-contributory language, and policy effective and expiration dates — then compares them to the requirements you set.
Do my subcontractors need to create an account?
No. Your subs receive a secure upload link and submit their certificate in a few clicks — no password, no portal to learn. Removing that friction is the single biggest reason COIs actually get collected on time.
How is Wardly different from a spreadsheet?
A spreadsheet does not read a certificate, does not know when a policy expires, and does not chase your subs. Wardly grades every COI automatically, monitors every expiration around the clock, sends the reminders for you, and keeps an audit-ready record for every subcontractor on every project.
Can I set my own insurance requirements?
Yes. Define the limits and endorsements you require — per project if you need to — and Wardly grades every certificate against your standards, not a generic template.
Never get caught with a non-compliant sub again.
Wardly watches your entire roster of subcontractors around the clock—so compliance is handled before it becomes a problem on the job site.
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