getbcs alternatives: BCS COI tracking compared for small GCs

BCS (getbcs.com) is a certificate of insurance tracking service that is free for up to 25 vendors, charges per vendor per month for its self-service software above that, and sells a full-service tier where its own analysts chase vendors for renewals. The main alternatives for a small general contractor are a spreadsheet, another tracking tool, or a tool such as COI Nudge that emails the sub and their agent itself; which fits depends on who you want doing the chasing and how many subs you carry.

This page compares them on the job a GC office actually does: collecting each sub's certificate, checking it, and getting the renewal before a policy lapses. Prices below are what BCS listed on its pricing page when we checked in October 2026; check the page for current figures before you decide.

What does BCS do?

BCS collects certificates of insurance from vendors and subcontractors, compares them with your contract requirements and tracks expiration dates. Its own site describes it as aligning "third-party insurance coverage and other documents with contractual requirements", and it lists an app on the Procore marketplace.

Vendors deal with BCS through a vendor sign-in, where a sub finds the profile its client created and keeps its documents up to date. BCS sells two kinds of service:

• Self-service software. You run the tracking yourself. Free up to 25 vendors, then $0.95 per vendor per month on the listed price.
• Full-service. BCS's analysts in the US do the vendor outreach and renewal chasing for you. Listed at $17.80 per vendor per year with a $10,000 annual minimum and 6 to 8 weeks of implementation.

Who does the chasing with each option?

This is the question that decides it. With the BCS self-service plan, as with a spreadsheet, the tracking is done for you but a person in your office still owns making sure the renewal gets requested and followed up. With the BCS full-service plan, BCS staff do it. With COI Nudge, the software emails the sub and their insurance agent at 30, 14 and 7 days before a policy expires, then weekly for up to eight weeks after, and stops when a current certificate arrives.

When is BCS the better choice?

BCS is the better choice when you have a small vendor list and someone who will work it, or when you have the budget for a team to chase for you. Under 25 vendors, the free plan costs nothing, which no paid tool beats on price.

It also fits better if you run your projects in Procore and want insurance status inside it, since BCS lists a Procore app and COI Nudge has no Procore connection. And if your company has a $10,000 yearly budget for compliance and wants people, not emails, doing the follow-up, that is what the full-service tier is for.

When does COI Nudge fit better?

COI Nudge fits a GC that wants the reminders sent without paying for a service team or giving the job to someone in the office. It is a single-job tool: subs upload certificates through one link, it reads the expiration dates and limits from each certificate, flags certificates below the minimums you set, and shows one list of who is current, expiring, expired, below minimums and missing.

The reminders go to the sub and to their insurance agent, because the agent is usually the one who issues the new certificate. Our guide on how to request a certificate of insurance explains why copying the agent shortens the loop and has the wording to use.

What does COI Nudge not do?

COI Nudge does not replace a broker's review, and it does less than a full compliance platform. Be clear on these before choosing it:

• No people chasing for you. It sends emails. Nobody from COI Nudge phones a sub.
• No endorsement review. It reads the additional insured box on the certificate and flags it when your requirements call for it, but it does not read endorsement pages or judge whether one meets your contract. Our guide to additional insured vs certificate holder explains why that check still matters.
• No integrations. It does not connect to Procore or accounting software.
• Certificates only. It tracks certificates of insurance, not licenses, W-9s or lien waivers.
• A person confirms unclear readings. When it cannot match a date or limit to the certificate's own text, it marks the certificate for review instead of guessing.

Is a spreadsheet still a reasonable alternative?

Yes, for a short, stable list of subs and one person who checks it every week. A spreadsheet costs nothing and you control it completely. It fails when the list grows, when the person who kept it leaves, or when the reminder emails are what keep slipping. Our COI tracking spreadsheet guide has the columns and formulas that catch a lapse in time, and the COI tracking software guide has a checklist to run against BCS, COI Nudge or any other tool.

How should you decide?

Count your active subs, then answer one question: who will make sure each renewal gets requested and followed up?

1. Under 25 subs and someone owns the list: BCS's free plan or a spreadsheet.
2. More subs, and you want the reminders sent automatically to the sub and their agent: a tool that sends them, such as COI Nudge.
3. You want people doing the follow-up and have the budget: BCS full-service or a similar managed service.
4. You need insurance status inside Procore: BCS, or another tool with a Procore app.

Whatever you choose, collect the right documents up front. Our guide to certificates of insurance for subcontractors lists what to collect before a sub starts.

FAQ

Is BCS insurance company legit?

BCS is a software and service company, not an insurer. It tracks certificates of insurance that other insurers issue. It is based in Parsippany, New Jersey, publishes its pricing, and lists an app on the Procore marketplace. As with any vendor, ask for references from contractors your size.

What insurance is BCS?

None: BCS does not sell insurance policies. It sells certificate of insurance tracking, the work of collecting vendors' certificates, checking them against your requirements and following up on renewals. Your subs' coverage still comes from their own insurers and agents.

Which COI tracking software is the best?

The one that matches who you want doing the chasing and your number of subs. Compare tools that only track, tools that send reminders themselves, and services whose staff chase for you, then price each on your real count of active subs.