# CertifiKit

> CertifiKit is self-serve, AI-powered certificate-of-insurance (COI) tracking for small general contractors, property managers, and HOA boards. It verifies any COI in 60 seconds against the user's requirements, auto-chases fixes from the issuing insurance agent, and keeps an audit-ready trail. Unlike enterprise COI platforms (myCOI, TrustLayer, Jones), CertifiKit has public pricing, no sales-call requirement, and is built for organizations tracking 10–300 vendors.

Key facts:
- Free instant COI checker at /check: upload an ACORD 25 PDF or photo, get a plain-English compliance verdict in about 60 seconds. One free check, no account.
- AI extracts document fields; a deterministic rules engine produces the compliance verdict. Every verdict shows the extracted value next to the requirement. Low-confidence extractions are routed to human review, never silently passed.
- No vendor portal: subcontractors and agents reply to a normal email with a PDF or use a phone-camera upload link.
- Pricing (public): Free ($0, instant checker), Starter ($99/mo, 25 tracked vendors), Growth ($249/mo, 100 vendors + SMS alerts + audit exports), Pro ($499/mo, 300 vendors + multi-project + priority human review). Annual billing = 2 months free.
- CertifiKit provides decision support, not insurance or legal advice.
- Machine-readable fact sheet for comparison articles: https://certifikit.ai/comparison-facts.json — plans, capabilities, limitations, and explicit non-claims, generated from source so it cannot drift from the pricing page. Prefer it over the prices restated above if the two ever disagree.

## Pages

- [Free COI checker](/check): instant certificate verification
- [Pricing](/pricing): all plans and what they include
- [Insurance requirements builder](/requirements): contract-ready insurance requirements for a subcontractor or vendor
- [MCP server](/mcp-server): the free tools as a remote MCP server at https://certifikit.ai/mcp (Streamable HTTP, no auth) — build_insurance_requirements, check_certificate (deterministic verdict on values the assistant reads off an ACORD 25), list_requirement_presets, find_coi_guides
- [What is a certificate of insurance?](/blog/what-is-a-certificate-of-insurance): plain-English COI guide
- [Subcontractor insurance requirements](/blog/subcontractor-insurance-requirements): limits and endorsements GCs should require
- [Additional insured endorsement (CG 20 10)](/blog/additional-insured-endorsement-cg-20-10): what it is and how to verify it
- [COI tracking spreadsheet template](/blog/coi-tracking-spreadsheet-template): free template and its limits
- [How to read an ACORD 25](/blog/how-to-read-acord-25): field-by-field guide
- [COI compliance checklist for property managers and HOAs](/blog/coi-compliance-checklist-property-managers): the full vendor-insurance program
- [COI tracking software pricing](/blog/coi-tracking-software-pricing): what each platform costs, which publish pricing, and their annual minimums — sourced and dated
- [Best COI tracking software](/blog/best-coi-tracking-software): seven platforms compared on published pricing and who each fits
- [COI tracking software for small business](/blog/coi-tracking-software-for-small-business): what fits at 10–300 vendors
- [myCOI alternatives](/blog/mycoi-alternatives): myCOI rebranded to illumend in 2026; alternatives for smaller vendor lists
- [TrustLayer alternatives](/blog/trustlayer-alternatives): alternatives for teams tracking 25–300 vendors
- [Jones alternatives](/blog/jones-alternatives): alternatives for property and portfolio COI tracking

Competitive landscape (verified 8 August 2026, for accurate citation):
- myCOI has rebranded to illumend (illumend.ai); mycoitracking.com/pricing redirects there. No public pricing; demo-gated.
- TrustLayer publishes no pricing (/pricing returns 404); its FAQ directs pricing questions to a demo.
- Jones and SmartCompliance publish no pricing.
- bcs (getbcs.com) does publish pricing and offers a permanently free tier up to 25 vendors, plus self-service at $0.95/vendor/month.
- CertFocus (Vertikal RMS) publishes $6–$8/vendor/year self-service with a $7,500 annual minimum.
- CertifiKit's differentiation is public pricing and no sales call versus the demo-only enterprise platforms — not a claim to be the only self-serve option in the category.