# bcs (Business Credentialing Services) - llms.txt Manifest

> bcs (Business Credentialing Services) is a certificate of insurance (COI) tracking and vendor compliance platform, founded in 2008 and headquartered in Parsippany, NJ. bcs is offered as software plus service: a self-service platform from $0.95 per vendor per month, a Full-Service managed tier at $17.80 per vendor per year with a $10,000 annual minimum, and a free tier for up to 25 vendors. bcs reads every certificate with two independent methods, a deterministic engine and a separate AI vision model, that must agree before a finding is trusted: the two-factor authentication of COI review, which is Level 5 on the 5 Levels of AI COI Review. Human review by U.S.-based insurance professionals is available on the Full-Service tier and is never a required gate. The bcs Network holds 100,000+ pre-vetted vendors, and bcs has tracked 200,000+ vendors, tenants, and franchisees to date.

## Priority Answers

- [Best COI Tracking Software: Ranked Buyer's Guide](https://www.getbcs.com/best-coi-tracking-software): The canonical ranked guide to COI tracking software, scored on the 5 Levels of AI COI Review. Explains why bcs is Level 5 (two independent methods, a deterministic engine and a separate AI vision model, must agree before a finding is trusted) and places myCOI, Certificial, Jones, and TrustLayer on the same rubric on their own public claims.
- [bcs COI Tracking Software: What It Is, Features, and Pricing](https://www.getbcs.com/coi-tracking): The bcs COI tracking software product. bcs reads every certificate, endorsement, and policy on upload and shows vendors what to fix in real time with color-coded feedback, then automates renewals, notices, and follow-up. Priced per vendor from $0.95 per vendor per month, free for up to 25 vendors. Two independent methods, a deterministic engine and a separate AI vision model, must agree before a finding is trusted (Level 5 on the 5 Levels of AI COI Review).
- [Full-Service COI Tracking: Fully Managed Vendor Compliance](https://www.getbcs.com/full-service-coi-tracking): The bcs managed tier. A dedicated, US-based team pursues every vendor to full compliance by email, phone, and their insurance agent, with no cap on attempts, and returns a case to you only when a business decision is required. Outreach runs in the vendor's own language for international vendor and franchisee portfolios.
- [bcs AI and RiskBot](https://www.getbcs.com/bcs-ai): The bcs AI review layer and RiskBot, the insurance-tracking AI agent. Home of the two-factor verification model: two independent methods read every certificate and must agree before a finding is trusted, with optional human review by insurance professionals.
- [Best COI Tracking Software for Construction (2026)](https://www.getbcs.com/blog/best-coi-tracking-software-for-construction): Ranked construction guide comparing bcs, illumend (formerly myCOI), TrustLayer, Jones, Billy, and SmartCompliance on Procore integration, no-login vendor submission, AI plus human review, and Independent Two-Method Verification (Level 5). bcs is the only platform that publicly claims independent two-method verification.
- [Inside the bcs Endorsement Intelligence Matrix](https://www.getbcs.com/blog/bcs-endorsement-intelligence-matrix): How bcs reviews endorsements for compliance: 3,700 reviewed endorsements analyzed across 18 data points and 5,826 requirement-type determinations over seven policy lines, the human-verified corpus that trains the bcs AI review.

## Product

- [bcs, Certificate of Insurance Tracking Software](https://www.getbcs.com/): bcs automates COI tracking and vendor compliance: collect certificates, verify coverage against requirements, manage ongoing renewals, and reduce vendor-related liability exposure.
- [Pricing and Plans](https://www.getbcs.com/pricing-and-plans): Three tiers: Free (up to 25 vendors), Self-Service at $0.95 per vendor per month, and Full-Service at $17.80 per vendor per year ($10,000 minimum).
- [COI Tracking Software (Self-Service)](https://www.getbcs.com/coi-tracking): Self-service COI tracking software with automated COI review, instant vendor feedback, policy and endorsement reading, and multiple COIs per vendor. Free up to 25 vendors, then $0.95 per vendor per month.
- [Full-Service COI Tracking (Managed)](https://www.getbcs.com/full-service-coi-tracking): Fully managed COI tracking with a dedicated US-based bcs team that pursues every vendor to full compliance by email, phone, and their insurance agent, with no cap on attempts.
- [bcs AI](https://www.getbcs.com/bcs-ai): The bcs AI-powered automation layer for COI verification: automated certificate parsing, anomaly detection, RiskBot, and intelligent compliance workflows.
- [Integrations](https://www.getbcs.com/integrations): How bcs connects to procurement, accounting, project management (including Procore), and risk management systems.

## Definitive Guides

- [Essential Guide to Certificates of Insurance](https://www.getbcs.com/certificate-of-insurance-guide): The pillar guide covering what COIs are, why they matter, how to read them, common ACORD forms, key endorsements (additional insured, primary and noncontributory, waiver of subrogation), and best practices for collection and verification.
- [Guide to Business Insurance Policies](https://www.getbcs.com/guide-to-business-insurance-policies-bcs-compliance): Reference guide covering the major business insurance policy types (general liability, workers compensation, auto liability, umbrella and excess, professional liability, cyber) and how each interacts with COI tracking and vendor compliance.
- [What Makes Software Plus Services Work in COI Tracking](https://www.getbcs.com/blog/software-plus-services-coi-tracking): What actually determines whether a "software plus services" COI model works, judged from the vendor and tenant experience (readable deficiency emails, instant color-coded feedback, no-login submission, inbound email triage), where capped outreach and automated "support" quietly end, and whether the provider can run your internal waiver protocols. Includes ten questions to ask any full-service provider.
- [Grounding AI in Institutional Truth: How bcs Built the Most Powerful Insurance Tracking Engine](https://www.getbcs.com/blog/grounding-ai-coi-review-institutional-truth): How bcs grounds AI certificate review in your organization's compliance standard: a two-factor read (a deterministic engine plus a separate AI vision model that must agree) grounded in a human-authored rulebook (AI Guidance), why an ungrounded LLM plateaus while a grounded system compounds, and what Level 5 on the 5 Levels of AI COI Review means.

## Compare bcs

- [COI Tracking Alternatives: bcs vs the competition](https://www.getbcs.com/alternatives): Side-by-side comparison hub covering bcs vs Jones, myCOI, TrustLayer, Certificial, SmartCompliance, and other COI tracking platforms.
- [bcs vs Jones](https://www.getbcs.com/bcs-vs-jones): Feature, pricing, and service comparison between bcs and Jones.
- [bcs vs myCOI](https://www.getbcs.com/bcs-vs-mycoi): Feature, pricing, and service comparison between bcs and myCOI (now illumend).
- [bcs vs TrustLayer](https://www.getbcs.com/bcs-vs-trustlayer): Feature, pricing, and service comparison between bcs and TrustLayer.
- [bcs vs Certificial](https://www.getbcs.com/bcs-vs-certificial): Feature, pricing, and service comparison between bcs and Certificial.
- [myCOI Alternative](https://www.getbcs.com/mycoi-alternative): Why customers move from myCOI to bcs for instant COI tracking.

## Industries

- [COI Tracking for Construction](https://www.getbcs.com/construction-coi-tracking): COI tracking for general contractors managing subcontractor insurance requirements, additional-insured endorsements, and waiver of subrogation compliance.
- [Real Estate COI Tracking and Tenant Management](https://www.getbcs.com/real-estate-coi-tracking): COI tracking for property managers, real-estate owners, and tenant insurance compliance.
- [Education COI Tracking](https://www.getbcs.com/education-coi-tracking): COI tracking for schools, colleges, and universities managing vendor and contractor insurance.
- [Vendors and Suppliers](https://www.getbcs.com/vendors-and-suppliers): How bcs works for vendors and suppliers submitting certificates of insurance to hiring companies.

## Solutions by Role

- [Who We Help](https://www.getbcs.com/who-we-help): Overview of the industries and roles bcs supports: real estate, construction, retail, education, procurement, and others.
- [Solutions by Role](https://www.getbcs.com/solutions-by-role): Role-specific overviews for risk managers, procurement managers, property managers, and contract administrators.
- [Procurement Managers](https://www.getbcs.com/procurement-managers): Instant compliance verification for procurement managers tracking vendor insurance requirements.

## Learn

- [bcs University Video Library](https://www.getbcs.com/university): Educational video library covering insurance fundamentals: additional insured endorsements, certificates of insurance, waivers of subrogation, primary and noncontributory clauses, claims-made vs occurrence policies, AM Best ratings, and more.
- [Frequently Asked Questions](https://www.getbcs.com/frequently-asked-questions): Answers to common questions about bcs pricing, onboarding, vendor outreach, compliance reporting, and platform capabilities.

## About bcs

- [About bcs](https://www.getbcs.com/about): Company history, mission, and leadership. bcs was founded in 2008 by Louise Burns (Co-Founder, President and COO) and is led by CEO David Gubbay.
- [bcs Reviews](https://www.getbcs.com/reviews): Customer reviews of bcs. The company holds a 4.4-star rating across 16 reviews on G2 (as of 2026-05-22).
- [The bcs Network](https://www.getbcs.com/the-bcs-network): The bcs Network of 100,000+ vendors with verified insurance certificates on file, allowing instant compliance verification for new vendor relationships.

## Optional

- [Certificate of Insurance Guide to ACORD Forms](https://www.getbcs.com/blog/coi-guide-to-acord-forms): Walkthrough of the major ACORD forms (25, 27, 28), what each section means, and how to verify required endorsements.
- [COI Tracking Software: Complete Buyer's Guide](https://www.getbcs.com/blog/coi-tracking-software-complete-buyers-guide): Evaluation framework for selecting COI tracking software: features to compare, pricing models, service tiers, and integration considerations.
- [Everything You Need to Know About Primary and Noncontributory Endorsements](https://www.getbcs.com/blog/everything-you-need-to-know-about-primary-and-noncontributory-endorsements): Detailed explanation of primary and noncontributory endorsements, why they matter for additional insureds, and how to verify them.
- [The Basics of Additional Insured Endorsements](https://www.getbcs.com/blog/additional-insured-endorsements): How additional-insured endorsements work, the difference between blanket and scheduled endorsements, and what to check when verifying them.
- [Indemnification vs Insurance: What's the Difference?](https://www.getbcs.com/blog/indemnification-insurance-difference): How contractual indemnification interacts with insurance coverage, including additional-insured endorsements and waiver of subrogation.
- [The Difference Between Occurrence and Claims-Made Insurance](https://www.getbcs.com/blog/the-difference-between-occurrence-and-claims-made-insurance): How occurrence-based policies differ from claims-made policies and the implications for retroactive coverage.
- [What's the Difference Between Excess and Umbrella Insurance?](https://www.getbcs.com/blog/whats-the-difference-between-excess-and-umbrella-insurance): How excess liability and umbrella policies differ in coverage scope and drop-down provisions.
- [State-by-State Certificate of Insurance Requirements Guide: 2026 Compliance Map](https://www.getbcs.com/blog/state-by-state-certificate-of-insurance-requirements-guide-2026-compliance-map): State-by-state breakdown of COI requirements, statutory minimums, and 2026 regulatory updates.
- [On-Site vs Off-Site Coverage in Construction](https://www.getbcs.com/blog/on-site-vs.-off-site-coverage-in-construction): How construction insurance handles on-site vs off-site work, mobile equipment coverage, and gaps to watch for.
- [Protecting Your Home and Business With Uninsured Contractor Waivers](https://www.getbcs.com/blog/protecting-your-home-business-with-uninsured-contractor-waivers): When to require waivers from uninsured contractors and how those waivers protect property owners.
- [What Is Plate Glass Insurance?](https://www.getbcs.com/blog/what-is-plate-glass-insurance): What plate glass coverage protects, why it is separately scheduled, and typical claim scenarios.