Certgio vs Certificial: how they compare
Compared on 2026-11-08 from public information. Something out of date? Write to hello@certgio.com and we'll fix it.
The short version
Certificial runs a network for "Smart COIs", certificates that brokers issue through its platform, linked to the policy data behind them (Business Wire). It works when your subcontractors' brokers use that network.
Certgio works with the PDF certificates you already get, from any broker. It reads your contract, turns it into a list of requirements, and tells you in plain English whether each certificate meets them.
What Certgio adds
- It works with every broker, not just the ones in a network. Most subcontractors' brokers send ordinary PDF certificates. Certgio checks those too. Nobody on the other side has to join anything.
- It answers the question that matters: does this certificate meet my contract? Certgio compares every coverage, limit, insured name, additional insured and expiry date with what your contract requires, and shows each gap.
- It reads your contract for you. Upload the subcontract or lease, and Certgio lists the insurance requirements it finds for you to review. No retyping insurance exhibits.
- It tells the broker exactly what to fix. When a certificate falls short, Certgio helps you send the broker the specific items, not "please send a compliant COI".
- No portal for anyone. Your subcontractors and their brokers submit by email, free, without creating an account.
- You can start today. Prices are on the pricing page, and the free check needs no account.
Side by side
| Certgio | Certificial | |
|---|---|---|
| Certificates it checks | Any certificate, from any broker | Certificates issued through its network |
| Who has to sign up | Only you | Works best when your vendors' brokers use the network |
| Price for your company | Starter $89/mo (50 vendors), Pro $299/mo (200), Scale $649/mo (500) | Quote only (G2) |
Good to know, whatever tool you use
A PDF certificate is a snapshot. It can't announce its own cancellation. Require notice of cancellation in your subcontracts, and ask for the endorsement pages for the requirements that matter most. Certgio reminds you before every policy expires, and checks the renewal when it comes in.
Try it on your own certificate
Check a certificate against your requirements, free, no account needed
Information about other companies comes from their public materials as of the date above and may have changed. Product names belong to their owners.