OnComply vs myCOI
myCOI quotes pricing through sales. OnComply publishes every plan's price and goes beyond COIs to the full vendor document checklist with can-work/can-pay enforcement.
14-day free trial · No credit card required · Every plan's price is published
OnComply vs myCOI, side by side
myCOI is a long-established certificate-of-insurance tracking platform sold through a sales process. OnComply covers COI tracking plus the rest of vendor onboarding, including W-9s, ACH, licenses, and contracts, at a published flat price.
| OnComply | myCOI | |
|---|---|---|
| Entry price | $29/mo flat, published on the pricing page ($29 to $999 a month by vendor count) | Not published. Pricing is quoted through a sales conversation |
| How you buy | Self-serve: 14-day free trial, no credit card, no sales call required | Sales-led demo and quote process |
| Vendor experience | Vendors get one link and upload, fill, and sign everything without creating an account | Insured/vendor correspondence workflows as part of its tracking service |
| Enforcement | Live can-work / can-pay status per vendor; work and payment are blocked the moment a document expires, with the exact reason shown | COI tracking, review, and deficiency follow-up focused on insurance compliance |
| Document scope | Every plan includes W-9s, COIs, ACH forms, licenses, fill-and-sign contracts, and custom forms, with no per-document fees | Certificate-of-insurance and insurance-compliance tracking as the core product |
| Best for | GCs, property managers, and AP teams with 10 to 500 vendors who need the whole onboarding checklist | Organizations that want an insurance-specific tracking program through a sales-supported engagement |
myCOI details reflect its public website and published materials as of August 2026. If something is out of date, email admin@oncomply.biz and we will correct it.
Feature for feature
OnComply covers the whole vendor onboarding checklist in one portal, including documents beyond COIs. Here is the full capability set side by side.
| Capability | OnComply | myCOI |
|---|---|---|
| COI tracking & validation | Automatically extracts coverage limits, effective dates, and insured name, then validates them against your per-group minimums | |
| W-9 collection | Extracted and validated automatically: name, TIN, entity classification, address, signature | Not advertised |
| Real-time IRS TIN verification | Cross-checks vendor EINs against IRS records during onboarding, $0.95 per verification | Not advertised |
| ACH / banking collection | Checksum-validated routing and account numbers, e-signed authorization PDF, envelope-encrypted, masked by default behind step-up authentication | Not advertised |
| Contract fill & sign | Any PDF with fillable fields; every signature ships a cryptographic evidence package (digests, event log, timestamps) | Not advertised |
| License & certificate tracking | Trade, professional, and business licenses plus tax-exemption certificates, with expiration alerts | Not advertised |
| Custom forms & custom PDFs | Build your own fields, validation logic, and extraction rules | Not advertised |
| Can-work / can-pay enforcement | Independent work and payment flags with reason codes and configurable grace periods. Vendors are blocked the moment a document lapses | Not advertised |
| Automatic renewals | Reminders plus scoped renewal links, so vendors resubmit only what expired | Deficiency follow-up on insurance documents |
| Document review | Confidence-scored extraction with a manual review queue and auditable overrides | COI review as a service offering |
| Audit trail & exports | Append-only log of every action; one-click compliance, expiration, e-signature, and audit-log exports | Not advertised |
| API & webhooks | Real-time eligibility API (single + bulk), scoped keys, signed webhooks with retry, SFTP delivery | Not advertised |
| Accounting sync | QuickBooks Online vendor sync with verified-vendor release | Not advertised |
| No-login vendor experience | One link on any device, with no account and no app download | Not advertised |
“Not advertised” means we could not find the capability on myCOI's public site as of August 2026. If we got one wrong, email admin@oncomply.biz and we will correct it.
Choose OnComply if…
- COIs are only part of your problem. You also chase W-9s, ACH forms, licenses, and signed contracts.
- You want the price before the conversation. Every plan's price is published.
- You want expired documents to block work and payment automatically instead of only triggering follow-up.
- You want to be collecting documents today with a self-serve trial, no sales cycle.
Choose myCOI if…
- You want a program narrowly specialized in insurance compliance and COI review.
- You prefer a sales-supported engagement with an established vendor in that niche.
- Insurance tracking is owned by a risk department that wants a dedicated insurance tool, not an onboarding platform.
Common questions
What is the main difference between OnComply and myCOI?
Scope and buying model. myCOI is a specialized, sales-quoted COI-tracking product. OnComply treats the COI as one item on the vendor's checklist: the same link also collects W-9s, ACH authorizations, licenses, and signed contracts, validates everything automatically, and enforces can-work/can-pay status, with published flat pricing and a self-serve trial.
Does myCOI publish its pricing?
As of August 2026, myCOI does not publish a price list on its website; pricing is quoted through sales. OnComply publishes every plan: $29, $69, $179, $449, and $999 per month, banded by active vendor count, with a 14-day free trial and no card required.
Can OnComply verify COI coverage limits like a dedicated COI tool?
Yes. OnComply automatically extracts coverage limits, effective dates, and insured names from every COI and checks them against the minimums you set per vendor group. Anything short of your requirements is flagged before the vendor is cleared to work.
Is OnComply established enough to trust with bank and tax data?
OnComply is a newer, founder-run product, and we treat that objection seriously. Sensitive fields are encrypted with AES-256-GCM using tenant-scoped keys backed by AWS KMS, access is role-controlled with step-up authentication, every action lands in an append-only audit trail, and a DPA is available on all plans. Your data is exportable at any time, so trying it is not a lock-in decision.
Can I switch from myCOI to OnComply?
Yes. Create your vendor groups, set COI minimums and other document requirements, and invite vendors with one link. Most teams are collecting within a day. Because vendors don't need accounts, there is no vendor-side migration to manage.
See it with your own vendors
Set up a vendor group in 15 minutes and send one real invite. No card required, and the pricing you saw above is the pricing you pay.