Upload Your COIs. See Your Compliance Gaps in Minutes.

Sign up with just your email — no credit card required. You get full access to all features on the Starter plan for 14 days. Upload certificates, set up compliance templates, and see your dashboard populate in real time. If you decide SmartCOI is right for you, choose a plan before your trial ends. If not, your account simply deactivates — no charges, no hassle.

SmartCOI accepts PDF files — the standard format for certificates of insurance. You can upload individual files or drag and drop up to 50 PDFs at once using our bulk upload feature.

Yes. Every account includes a self-service portal where vendors, subcontractors, carriers, and other third parties can upload certificates directly through a secure link — no login or account creation required on their end.

You'll get a notification when you're approaching your plan's limit. You can upgrade to a higher tier at any time — your data and settings carry over instantly. If you're on a trial, the 50-certificate limit gives you plenty of room to evaluate the platform.

SmartCOI's AI is trained specifically on ACORD certificate formats and achieves 99%+ accuracy on standard fields including coverage types, policy limits, expiration dates, carrier names, named insureds, and endorsements (CG 20 10, CG 20 37, Waiver of Subrogation). Every extraction is visible for review, so you always have final say.

If you're currently tracking COIs in spreadsheets or another tool, the fastest way to migrate is our bulk upload feature — simply upload all your existing certificate PDFs and SmartCOI will extract the data automatically. No manual data entry or CSV mapping required.

Yes. SmartCOI uses industry-standard encryption for data in transit and at rest, runs on secure cloud infrastructure, and follows best practices for authentication and access control. Your certificate data is never shared with third parties.

Yes. There are no long-term contracts. Monthly plans can be canceled at any time. Annual plans are billed upfront for the year but you can cancel renewal at any time. If you cancel, you retain access through the end of your billing period.