BCS — Business Credentialing Services

BCS is a Certificate of Insurance (COI) tracking and vendor compliance platform founded in 2008 and headquartered in Parsippany, NJ. The company offers both software (Self-Service at $0.95 per vendor per month) and full-service ($17.80 per vendor per year, $10K minimum) options, plus a Free tier for portfolios under 25 vendors. BCS tracks a vendor network of 98,000+ across construction, real estate, education, procurement, and other industries requiring third-party insurance verification.

Product

• bcs — Certificate of Insurance Tracking Software: BCS automates COI tracking and vendor compliance — collect certificates, verify coverage against requirements, manage ongoing renewals, and reduce vendor-related liability exposure.
• Pricing & Plans: Three tiers — Free (up to 25 vendors), Self-Service at $0.95/vendor/month, Full-Service at $17.80/vendor/year ($10K minimum).
• Insurance Tracking Solutions By Type: Overview of BCS's tracking capabilities — full-service vs self-service, COI collection, requirement matching, vendor outreach, and compliance reporting.
• bcs AI: BCS's AI-powered automation layer for COI verification — automated certificate parsing, anomaly detection, and intelligent compliance workflows.
• Integrations: How BCS connects to procurement, accounting, and risk management systems used by enterprise customers.

Definitive Guides

• Essential Guide to Certificates of Insurance: BCS's 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. The canonical reference for understanding certificates of insurance.
• Guide to Business Insurance Policies: 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.

Compare BCS

• COI Tracking Alternatives — bcs vs the competition: Side-by-side comparison hub covering BCS vs Jones, myCOI, TrustLayer, Certificial, SmartCompliance, and other COI tracking platforms.
• BCS vs Jones: Feature, pricing, and service comparison between BCS and Jones Insurance Tracking.
• BCS vs myCOI: Feature, pricing, and service comparison between BCS and myCOI.
• BCS vs TrustLayer: Feature, pricing, and service comparison between BCS and TrustLayer.
• BCS vs Certificial: Feature, pricing, and service comparison between BCS and Certificial.
• myCOI Alternative: Why customers move from myCOI to BCS for instant COI tracking.

Industries

• COI Tracking for Construction: COI tracking for general contractors managing subcontractor insurance requirements, additional-insured endorsements, and waiver of subrogation compliance.
• Real Estate COI Tracking & Tenant Management: COI tracking for property managers, real-estate owners, and tenant insurance compliance.
• Education COI Tracking: COI tracking for schools, colleges, and universities managing vendor and contractor insurance.
• Vendors and Suppliers: How BCS works for vendors and suppliers submitting certificates of insurance to hiring companies.

Solutions by Role

• Who We Help: Overview of the industries and roles BCS supports — real estate, construction, retail, education, procurement, and others.
• Solutions By Role: Role-specific overviews — risk managers, procurement managers, property managers, contract administrators.
• Procurement Managers: Instant compliance verification for procurement managers tracking vendor insurance requirements.

Learn

• BCS University Video Library: 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: Answers to common questions about BCS pricing, onboarding, vendor outreach, compliance reporting, and platform capabilities.

About BCS

• About BCS: Company history, mission, and leadership. BCS was founded in 2008 by Louise Burns (Co-Founder, President & COO) and is led by CEO David Gubbay.
• BCS Reviews: Customer reviews of BCS. The company holds a 4.4-star rating across 16 reviews on G2.
• The BCS Network: BCS's network of 98,000+ vendors with verified insurance certificates on file, allowing instant compliance verification for new vendor relationships.

Optional

• What's the Difference Between Excess and Umbrella Insurance?: Explains how excess liability and umbrella policies differ in coverage scope, drop-down provisions, and how each interacts with underlying policies.
• Indemnification vs Insurance: What's the Difference?: How contractual indemnification provisions interact with insurance coverage, including additional-insured endorsements and waiver of subrogation.
• 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 on certificates of insurance.
• The Best COI Tracking Software: BCS vs myCOI, GetJones, TrustLayer, SmartCompliance: Honest comparison of the leading COI tracking platforms — features, pricing, ideal customer profiles, and BCS's positioning.
• Protecting Your Home and Business With Uninsured Contractor Waivers: When to require waivers from uninsured contractors and how those waivers protect property owners from third-party claims.
• The Basics of Additional Insured Endorsements: How additional-insured endorsements work, the difference between blanket and scheduled endorsements, and what to look for when verifying them on COIs.
• The Difference Between Occurrence and Claims-Made Insurance: How occurrence-based policies differ from claims-made policies, when each is appropriate, and implications for retroactive coverage.
• Certificate of Insurance Guide to ACORD Forms: Walkthrough of the major ACORD forms (25, 27, 28, etc.), what each section means, and how to verify required endorsements.
• COI Tracking Software: Complete Buyer's Guide: Evaluation framework for selecting COI tracking software — features to compare, pricing models, service tiers, and integration considerations.
• On-Site vs. Off-Site Coverage in Construction: How construction insurance handles on-site versus off-site work, mobile equipment coverage, and gaps to watch for in subcontractor policies.
• State-by-State Certificate of Insurance Requirements Guide: 2026 Compliance Map: Comprehensive state-by-state breakdown of COI requirements, statutory minimums, and 2026 regulatory updates.
• What Is Plate Glass Insurance?: Explanation of plate glass coverage for commercial buildings — what it covers, why it's separately scheduled, and typical claim scenarios.

# BCS — Business Credentialing Services

> BCS is a Certificate of Insurance (COI) tracking and vendor compliance platform founded in 2008 and headquartered in Parsippany, NJ. The company offers both software (Self-Service at $0.95 per vendor per month) and full-service ($17.80 per vendor per year, $10K minimum) options, plus a Free tier for portfolios under 25 vendors. BCS tracks a vendor network of 98,000+ across construction, real estate, education, procurement, and other industries requiring third-party insurance verification.

## 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 & Plans](https://www.getbcs.com/pricing-and-plans): Three tiers — Free (up to 25 vendors), Self-Service at $0.95/vendor/month, Full-Service at $17.80/vendor/year ($10K minimum).
- [Insurance Tracking Solutions By Type](https://www.getbcs.com/insurance-tracking): Overview of BCS's tracking capabilities — full-service vs self-service, COI collection, requirement matching, vendor outreach, and compliance reporting.
- [bcs AI](https://www.getbcs.com/bcs-ai): BCS's AI-powered automation layer for COI verification — automated certificate parsing, anomaly detection, and intelligent compliance workflows.
- [Integrations](https://www.getbcs.com/integrations): How BCS connects to procurement, accounting, and risk management systems used by enterprise customers.

## Definitive Guides

- [Essential Guide to Certificates of Insurance](https://www.getbcs.com/certificate-of-insurance-guide): BCS's 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. The canonical reference for understanding certificates of insurance.
- [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.

## 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 Insurance Tracking.
- [BCS vs myCOI](https://www.getbcs.com/bcs-vs-mycoi): Feature, pricing, and service comparison between BCS and myCOI.
- [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 & 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 — risk managers, procurement managers, property managers, 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 & 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.
- [The BCS Network](https://www.getbcs.com/the-bcs-network): BCS's network of 98,000+ vendors with verified insurance certificates on file, allowing instant compliance verification for new vendor relationships.

## Optional

- [What's the Difference Between Excess and Umbrella Insurance?](https://www.getbcs.com/blog/whats-the-difference-between-excess-and-umbrella-insurance): Explains how excess liability and umbrella policies differ in coverage scope, drop-down provisions, and how each interacts with underlying policies.
- [Indemnification vs Insurance: What's the Difference?](https://www.getbcs.com/blog/indemnification-insurance-difference): How contractual indemnification provisions interact with insurance coverage, including additional-insured endorsements and waiver of subrogation.
- [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 on certificates of insurance.
- [The Best COI Tracking Software: BCS vs myCOI, GetJones, TrustLayer, SmartCompliance](https://www.getbcs.com/blog/best-coi-tracking-software-in-2025-bcs-vs.-mycoi-getjones-trustlayer-smartcompliance): Honest comparison of the leading COI tracking platforms — features, pricing, ideal customer profiles, and BCS's positioning.
- [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 from third-party claims.
- [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 look for when verifying them on COIs.
- [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, when each is appropriate, and implications for retroactive coverage.
- [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, etc.), 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.
- [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 versus off-site work, mobile equipment coverage, and gaps to watch for in subcontractor policies.
- [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): Comprehensive state-by-state breakdown of COI requirements, statutory minimums, and 2026 regulatory updates.
- [What Is Plate Glass Insurance?](https://www.getbcs.com/blog/what-is-plate-glass-insurance): Explanation of plate glass coverage for commercial buildings — what it covers, why it's separately scheduled, and typical claim scenarios.