COI Issuance and Tracking Software: Compare 5 Tools for Agencies
A certificate of insurance (COI) is the one-page proof of coverage a client hands to a landlord, general contractor or other certificate holder. COI software helps an agency issue these from policy data, lets insureds or holders get simple ones on their own, or tracks the certificates a client collects from its vendors.
We compared 5 tools on price, where policy data comes from, self-service, contract checks and vendor tracking.
- Tools compared
- 5
- Publish a price
- 4 of 5
- Track vendor certificates
- 2, for clients who collect certificates
Quick picks by need
Small agency on a budget
Free for agencies, or a low yearly price.
Certificial, Choices Agency Anywhere and Self Serve Certificates
Insureds help themselves
Insureds get simple certificates without a CSR.
Certificial, Insurance Agent App Certs on Demand, Certificate Hero
Holders get certificates themselves
Certificate holders log in for the agency's signed certificate, a $400 a year add-on.
Contract checks
Reads contract requirements and flags gaps.
Tracking for your clients
Collects and checks certificates your clients get from vendors.
Quick picks are matched on published features, not ranked. Each list follows our default order.
Compare 5 COI tools
| Tool | Starting price | Policy data from | Self-service | Contract check | Tracks vendor certificates | Built for |
|---|---|---|---|---|---|---|
| CertificialAgency issuance, insured self-service and holder tracking | Free for agencies | Applied Epic, HawkSoft, Momentum | Independent agenciesCertificate holders | |||
| Insurance Agent App Certs on DemandInsured self-service in a branded client app | $382 a year up to 100 clients | HawkSoft, EZLynx, QQCatalyst, AMS360, Momentum | Independent agencies | |||
| EvidentHolder tracking with a managed outreach option | $15 a vendor a year | Vendor uploads, no AMS | Agencies that resellCertificate holders | |||
| Choices Agency Anywhere and Self Serve CertificatesHosted ACORD forms with a holder self-service add-on | From $180 a year | Typed in, or read by acords.ai | Small agenciesMGAs and wholesalers | |||
| Certificate HeroAgency issuance with insured self-service | Quote only | Applied Epic, AMS360, Sagitta | Commercial brokersMGAs |
We sort these by our default order, built from trust factors rather than from who pays us. Prices as of October 2026.
See what agencies pay in the cost guide.
Questions to ask before you buy
Does it pull policy data from my AMS?
Some tools sync policies from your agency management system (AMS) every few hours. Others need staff to type them or upload a saved certificate.
What can insureds change on their own?
Most self-service tools let an insured change only the certificate holder. Ask what happens with additional insured, waiver of subrogation and special wording requests.
Does it check the contract?
A few tools read the holder's contract and flag coverage that falls short before the certificate goes out.
What happens when a policy changes?
Some tools reissue certificates to holders on their own. Others leave it to staff to refill and resend.
Is it for issuing or tracking?
Issuing tools make certificates for your insureds. Tracking tools collect certificates your clients get from vendors, and some agencies resell them.
Who keeps the record?
Ask whether every issued certificate is logged and written back to your AMS. That record matters if a certificate is ever challenged.
Frequently asked questions
What is COI issuance and tracking software?
COI software helps an agency issue certificates of insurance, let insureds or holders get simple certificates on their own, or track the certificates vendors send.
How much do COI tools cost?
Four of the five COI tools on this page publish prices: Certificial, Evident, Insurance Agent App Certs on Demand and Choices Agency Anywhere and Self Serve Certificates. Certificial is free for agencies. Choices starts at $180 a year, Insurance Agent App at $382 a year for the whole app up to 100 clients and Evident at $15 a vendor a year.
Certificate Hero is quoted. The cost guide has every published price.
Which COI tools offer a free trial?
One of the five lists a free trial: Choices Agency Anywhere and Self Serve Certificates (5 days).
How is this list ordered?
We start from a default order built on trust factors, which are how many buyer facts the vendor publishes, whether its identity is verified, how openly it shows prices, how long it has been in business and an editorial review. Affiliate and paid links play no part, and a higher spot does not mean a better product. Read how we order vendors.
How we researched this. We based this page on each vendor's published pricing where available, terms and product pages, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.