Pricing

Priced against the un-tendered claims it prevents.

Name: 2026 Subcontractor COI Compliance & Risk Transfer Benchmark
Creator: Pikorua Security
License: https://creativecommons.org/licenses/by/4.0/

Unlimited certificate and endorsement scans on every plan. Pay for the vendors you manage, not the pages they send.

Save 17% annually. Billed once a year. Endorsement pages are never charged extra.

Starter

Specialty GCs and property managers

$299/month

$3,588 billed annually

Up to 75 active vendors / year

Unlimited COI and endorsement scans with automated broker chasing.

Unlimited ACORD 25 and 28 scans
Endorsement page extraction
Automated broker chasing and renewals
60 / 30 / 15 / 0 day expiry cadence
Zero-login broker upload links
Email support

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14-day free production trial, no card required

Professional

Most chosen

Mid-market GCs and asset managers

$699/month

$8,388 billed annually

75 to 300 active vendors / year

Full ISO endorsement validation with Procore or Yardi payment holds.

Everything in Starter
Full ISO endorsement validator (edition dates)
Custom contract rule builder
Procore, Yardi, AppFolio bi-directional sync
Automated invoice payment holds
AM Best rating checks
Tender defense vault exports

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14-day free production trial, no card required

Enterprise

$100M+ GCs and national REITs

Custom

From $1,400/month, annual contract

300+ vendors, unlimited

Multi-entity hierarchy, turnstile integrations and a dedicated risk engineer.

Everything in Professional
Unlimited vendors and entities
Dedicated risk engineer
ERP, CMiC and turnstile integrations
SSO / SAML and SCIM
Custom SLA and data residency

Talk to sales

Broker / Managed Partner

For brokerages offering COI compliance to their contractor and real estate clients: multi-client tenant seats, a white-label compliance portal and consolidated billing.

Partner program

Annual cost vs. one rejected additional insured tender

One un-tendered subcontractor claim (defense + SIR)$150,000

Pikorua Security Professional, full year$8,388

Loss benchmark: IRMI Construction Risk Analysis

The risk transfer ROI math

18 years

of Pikorua Security Professional is paid for by preventing a single missed endorsement.

The average out-of-pocket legal and retention loss when a subcontractor's carrier rejects your tender is $150,000+. That is before the 15% to 35% premium increase that follows a catastrophic claim for at least three renewals.

Compare plans

Every feature, side by side.

Feature comparison across Starter, Professional and Enterprise plans
Feature	Starter	Professional	Enterprise
Ingest & parse
Active vendors per year	Up to 75	75 to 300	Unlimited
ACORD 25 and ACORD 28 scans	Unlimited	Unlimited	Unlimited
Endorsement page extraction
State workers' comp forms and monopolistic state certificates
Email inbox and vendor portal ingestion
Bulk backlog import with audit in 48 hours	Up to 150 files	Up to 1,000 files	Unlimited
Audit & match
Limit checks (GL, auto, umbrella, WC/EL)
ISO endorsement presence (CG 20 10, CG 20 37, CG 24 04, CG 20 01)
Edition-date validation (11 85, 10 01, 07 04, 04 13, 12 19)
Exclusion detection (CG 21 39, CG 22 94, action over, residential, EIFS)
AM Best financial strength and size checks	Weekly refresh	Daily refresh	Real time
Named insured entity matching
Custom contract rule builder	3 rule sets	Unlimited	Unlimited + inheritance
Per project, trade and lease tier requirements
Chase & resolve
Automated broker and vendor deficiency notices
Zero-login broker upload links
60 / 30 / 15 / 0 day renewal cadence
SMS reminders to vendors
Custom sender domain and branded portal
Escalation to project executives
Enforce & integrate
Procore, Yardi Voyager and AppFolio sync
Automated invoice and commitment payment holds
CMiC, Viewpoint Vista, MRI and ERP connectors
Turnstile and badge access sync (myComply, Openpath, Brivo)
Tender defense vault exports	Single vendor
REST API and webhooks		Read only	Full
Security & support
SOC 2 Type II, AES-256, TLS 1.3
Role-based permissions	3 roles	All roles	Custom roles
SSO / SAML and SCIM provisioning
Multi-entity hierarchy		2 entities	Unlimited
Support	Email	Email and chat, 4-hour response	Dedicated risk engineer, custom SLA

“We modeled one rejected tender at our $250,000 retention. Pikorua Security cost us about 3% of that, and it found two expired umbrella policies in the first week.”

Chief Financial Officer

Self-performing commercial GC, 220 active subcontractors

Calculator

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Pricing FAQ

Billing, vendors and pages.

What counts as an active vendor?

Any subcontractor, supplier, tenant or service vendor with at least one certificate tracked in Pikorua Security during your 12-month subscription term. Vendors you archive stop counting at your next renewal. Brokers and certificate holders never count.

Are endorsement pages charged extra?

No. Every plan includes unlimited scans of ACORD 25 and 28 certificates and every endorsement page attached to them. A 40-page renewal packet costs the same as a one-page certificate.

How does the broker portal work?

When Pikorua Security finds a deficiency it emails the vendor and the producer listed on the ACORD 25 a tokenized link. The broker sees exactly what is missing, uploads the corrected certificate or endorsement, and Pikorua Security re-audits it immediately. No account, password or seat is needed on the broker side.

Can we set custom rules per project?

Yes on Professional and Enterprise. Build requirement sets for each project, trade or lease tier (limits, required endorsements by form and edition, AM Best floor, completed operations duration) and let vendors inherit them automatically. Starter includes three rule sets.

What happens when a vendor has multiple policies expiring on different dates?

Each policy is tracked separately. Pikorua Security runs a 60, 30, 15 and 0 day cadence for every policy line, so a GL renewal in March and a workers' comp renewal in July each get their own requests while the vendor stays compliant on the lines that are current.

Do you offer monthly billing?

Yes. Starter is $359 and Professional $839 per month on monthly billing. Annual billing saves about 17%. You can switch from monthly to annual at any time.

What is included in the 14-day free production trial?

Full Professional features for up to 25 vendors, including endorsement validation, broker chasing and a sandbox connection to Procore, Yardi or AppFolio. Your data carries over when you subscribe.

Is Pikorua Security an insurance broker or a law firm?

Neither. Pikorua Security is compliance verification software. It does not sell, bind or underwrite insurance and does not give legal advice. It verifies the documents your vendors provide against the requirements in your contracts.

14-day free production trial

Stop letting non-compliant vendors expose your balance sheet.

Upload your current subcontractor COI files. Pikorua Security shows you every hidden coverage defect in 10 minutes.

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