SmartCompliance

What SmartCompliance does

SmartCompliance is a cloud-based SaaS platform that automates certificate of insurance (COI) tracking and compliance management for commercial property managers, construction general contractors and subcontractors, franchise operators, and the insurance broker channel. The product ingests certificates via OCR, applies AI/ML-driven rules to flag coverage gaps, expirations, and compliance exceptions, and routes auto-notifications to stakeholders, with SSO support for Azure AD and Okta and SOC 2 Type 1 certification. The platform is delivered as four modules — Commercial Collection, Construction Management, Commercial Issuance, and Full-Service COI Management — and is embedded natively into Procore, FranConnect, and BILL, so compliance workflows run inside the customer's existing project, franchise, and AP systems.

The company monetizes through SaaS subscriptions tiered by module and volume, supplemented by managed-services engagements in which SmartCompliance staff operate the compliance workflow on the customer's behalf. A broker partnership program pays a 10% revenue share on referred accounts, converting insurance brokers into a distribution channel for mid-market buyers. Customers include CCMSI, with more than 60,000 certificates processed over 8+ years, and AssuredPartners, with coverage across 38 states, alongside mid-market accounts such as EZ CERT and Commercial Insurance Consultants.

SmartCompliance was founded in 2010 and operates as a privately held subsidiary of JBKnowledge, headquartered in College Station, Texas. The parent-company funding model and 11–50 employee footprint imply a bootstrap, profit-disciplined growth posture rather than venture-backed scale-up, which is consistent with the long customer tenures and steady module and integration expansion observed from 2022 onward.

Name

SmartCompliance

Legal name

SmartCompliance, Inc.

Website

https://smartcompliance.co

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

SmartCompliance is a College Station, TX-based SaaS platform that automates certificate of insurance tracking and compliance for property managers, construction firms, franchise operators, and insurance brokers via OCR, AI-driven notifications, and native integrations with Procore, FranConnect, and BILL.

Ownership category

akta.pro rank

Product category

Insurance Compliance Software (Certificate of Insurance Tracking)

NAICS

Software Publishers (513210), Software Publishers (5132)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

Keywords

• Certificate of insurance tracking
• Insurance compliance software
• COI management platform
• Vendor compliance automation
• Risk management software

Headquarters

HQ city

Bryan

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. SaaS Subscription Licenses: Web-based subscription software sold as a service (SaaS) with no installation required. Offers self-service and full-service options at different price points. Annual or multi-year contracts likely standard given B2B SaaS nature.
2. Full-Service COI Management: Managed services option where SmartCompliance's team of insurance professionals manages the entire COI process including setup, collection, compliance review, tracking and reporting for customers who prefer outsourcing.
3. Broker Partnership Referrals: Broker Partnership Program pays partners 10% of the client's first year license fee for referrals, creating a referral-based revenue stream.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

SmartCompliance sells a cloud-based SaaS platform that automates the collection, tracking, renewal, and verification of certificates of insurance (COI) for businesses. The platform uses OCR and AI/ML to scan, transcribe, and validate certificates against customized risk templates, sending automated notifications for expirations and non-compliance. It serves commercial insurance professionals, TPAs, construction firms, risk managers, and franchises, available in both self-service and full-service (managed) engagement models.

Product overview

SmartCompliance is a cloud-based certificate of insurance (COI) tracking and compliance management platform. The core SmartCompliance platform serves as the central system, supplemented by three key modules: Commercial Collection for automated COI tracking and renewal requests, Construction Management for contractor compliance across project tiers, and Commercial Issuance for creating and managing certificates. The platform offers both self-service (where users manage their own inbox and compliance) and full-service options (where SmartCompliance's team handles the entire compliance process). All solutions integrate OCR technology and AI-powered automation for streamlined verification and auto-notifications.

Differentiator

Problem solved

Functional benefit

Products and services

• SmartCompliance Core Platform Web-based cloud SaaS certificate of insurance tracking and compliance management platform accessible via secure browser portal; automates COI renewals, eliminates manual data entry, and delivers end-to-end compliance visibility through self-service and full-service options for commercial insurance professionals, TPAs, contractors, and risk managers.
• Commercial Collection Leading COI tracking solution that automates certificate collection, sends renewal requests, and confirms third-party compliance for businesses managing vendor and subcontractor insurance. Includes centralized certificate management, automated notifications, and compliance reporting.
• Construction Management Construction-focused COI compliance solution that manages certificates through multiple subcontractor tiers across projects. Features OCR technology, AI-powered auto-notifications, and centralized documentation to coordinate project delivery teams and reduce manual compliance work for general contractors.
• Commercial Issuance COI issuance software that streamlines creation, delivery, storage, and management of certificates of insurance for carriers and policyholders. Supports batch certificate delivery, automated bulk renewal issuance, and in-house control of active contracts and certificate holder data.
• Full-Service COI Management Managed services offering in which SmartCompliance's in-house team of insurance professionals handles the entire COI process on behalf of the customer—including setup, collection, compliance review, tracking, and reporting—for clients that prefer outsourced compliance management.

Quantifiable outcome

• Vendor compliance increased to 95%+ for companies across the U.S.
• +3 more outcomes

Named customers9 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability4 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and flagship.

• Procore TechnologiescoreTechnology or IntegrationProcore Technologies, a leading construction technology company, integrates with SmartCompliance. The integration allows users to effortlessly track Certificates of Insurance, increase productivity by eliminating manual entry, and synchronize contractor databases and compliance statuses. SmartCompliance VP of Global Partnerships & Alliances Kris Lengieza stated: 'Our new integration with SmartCompliance is a perfect next step to achieve this goal.'
• FranConnectcoreTechnology or IntegrationFranConnect integration with SmartCompliance enables seamless document verification, collections, and renewals for franchise management. Franchisors can manage compliance and documentation with FranConnect while SmartCompliance handles COI tracking.
• Azure ADcoreTechnology or IntegrationAzure AD identity management integration provides Single Sign-On (SSO) capability for SmartCompliance users, enhancing security with premier multi-factor authentication.
• OktacoreTechnology or IntegrationOkta identity management integration provides Single Sign-On (SSO) capability for SmartCompliance users with cloud-based tools for security and ease of use.
• AssuredPartnersflagshipChannel Partner/ Reseller/ DistributorAssuredPartners, one of the fastest-growing independent insurance agencies in the U.S. with offices in 38 states, uses SmartCompliance to provide COI and contract tracking as a value-added service to their clients. They have been a client for multiple years.
• EZ CERTflagshipChannel Partner/ Reseller/ DistributorEZ CERT provides turn-key franchise insurance compliance tracking using SmartCompliance. Their President Doug Groves stated: 'Where our prior COI tracking program had no customer interface, SmartCompliance has helped us bring our customers 24/7 access to the insurance status of each of their franchisees.'
• Commercial Insurance Consultants (CIC)flagshipChannel Partner/ Reseller/ DistributorCIC uses SmartCompliance combined with their insurance consulting expertise to help clients increase vendor compliance by up to 65%. They have been a customer since 2015.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Peers

• SageSure:

Broad incumbents

• Procore Technologies: Leading construction management platform with COI tracking capabilities integrated into its project management suite. Comparable as a broad incumbent competing in the same contractor compliance workflows, though Procore's scope extends well beyond insurance compliance.
• Vertafore: Major insurance industry software provider serving agencies, carriers, and MGAs with policy administration, agency management, and compliance tools. Comparable as a broad incumbent with overlapping insurance compliance workflows, though Vertafore focuses upstream on underwriting and policy issuance rather than certificate tracking.
• Applied Systems: Leading insurance agency management system serving independent agencies and brokerages with policy, accounting, and customer management. Comparable as an incumbent serving the same broker/agency buyer profile that SmartCompliance targets through its broker partnership program.
• Mitratech (ComplianceHR): Provider of compliance and risk management software including HR compliance, ethics, and vendor management. Comparable as a broader compliance incumbent that could expand into COI tracking workflows and competes for the same risk manager and compliance officer buyer.
• ServiceNow: Enterprise platform with a Governance, Risk, and Compliance (GRC) suite including vendor risk management. Comparable as a broad incumbent that addresses adjacent compliance use cases and could expand down into COI tracking workflows for large enterprise customers.
• Avalara: Compliance automation provider specializing in tax compliance, with adjacent capabilities in business licensing and document compliance. Comparable as a broader compliance automation incumbent serving enterprise compliance buyers, though focused on tax rather than insurance certificates.

Emerging players

• TrustLayer: Emerging insurtech automating insurance verification and COI exchange between contractors, vendors, and risk managers. Direct competitor in the same COI compliance category, but with a network-based verification model rather than a document-tracking SaaS approach.
• SafetyCulture: Operations and compliance platform used by safety, quality, and operations teams across industries. Comparable as an emerging player in adjacent compliance/audit workflows with potential overlap in contractor compliance management for industrial customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Customer concentration

• Xtwitter.com/smartcompinc
• YouTubeyoutube.com/@SmartComplianceInc
• Facebookfacebook.com/smartcompliance
• LinkedInlinkedin.com/company/smartcompliancesoftware

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SmartCompliance