Wardly vs. Certificial
Yes—for general contractors, Wardly is a strong Certificial alternative. Wardly is free forever for unlimited subcontractors with no per-supplier cap, and it grades every ACORD 25 you receive. Certificial adds real-time monitoring when a sub’s agent is in its network, and is free only up to 5 suppliers.
Certificial is the “Smart COI” network—when a sub’s insurance agent is connected, certificates update in real time as policies change. Wardly is self-serve certificate-of-insurance tracking built for general contractors: collect, grade, and monitor your subcontractors’ COIs—free for unlimited subs, with no per-supplier cap.
Get started freePricing comparison
The clearest difference: Wardly is free forever for unlimited subcontractors; Certificial is free only up to 5 suppliers, then moves to a monthly subscription or an enterprise quote.
Free forever
- Unlimited subcontractors—no per-supplier cap
- No credit card, no trial, no monthly fee
- Subs upload with no account
Free up to 5 suppliers, then paid
- Requestor Basic free for up to 5 suppliers
- Requestor Professional from $99/mo; Enterprise is quote-only via sales
- Free for insureds and agents/brokers
Feature comparison
Where the two products genuinely differ—and where they overlap.
| Feature | Wardly | Certificial |
|---|---|---|
| Setup & onboarding | Self-serve in minutes | Self-serve free tier; sales for Enterprise |
| Price for unlimited subs | Free forever | Free to 5 suppliers, then $99/mo+ or quote |
| Subs upload without an account | Insureds use a Certificial account | |
| Compliance grading | Instant, automated A–F vs. your rules | Real-time validation vs. requirements |
| Real-time policy monitoring (live data) | Cert-based; re-check on new upload | Yes—when the sub’s agent is in-network |
| Works regardless of the sub’s agent | Falls back to PDF/AI if agent off-network | |
| Additional insured, waiver & ACORD 25 checks | ||
| Expiration monitoring & reminders | ||
| COI issuance (for agents/insureds) | ||
| Focus | Purpose-built for GCs tracking subs | Broad network—companies, agencies & insureds |
| Track record & scale | New, focused product | 100k+ companies, 25k+ agencies (self-reported) |
Where Certificial is strong—and where Wardly wins
Where Certificial is strong
- Real-time, live policy data—when a sub’s agent is in-network, COIs update automatically as coverage changes. This is genuinely unique and solves the “static PDF goes stale” problem.
- Combines COI issuance and tracking on one platform for companies, agencies, and insureds.
- A large agency network (self-reported 25,000+ agencies, 100,000+ companies, ~90% of US/Canada commercial insurance).
- Enterprise-proven (logos include Amazon, Paramount, Yardi) with partners like Applied Systems, ACORD, and Zurich.
Where Wardly wins for GCs
- Free forever for unlimited subs—no per-supplier cap and no $99/mo threshold.
- Subs upload from a link with no account, so COIs actually come in.
- Instant, automated A–F grading against your own requirements.
- Every ACORD 25 cert is graded—no dependency on whether the sub’s agent joined a network.
- Purpose-built for the GC–subcontractor workflow—live in minutes.
Who should use Certificial?
Certificial is a strong fit if real-time, always-current coverage data is a priority and many of your subcontractors’ insurance agents are already in its network—or if you also want a platform that issues COIs, serves agencies and insureds, and scales to an enterprise requestor program. Its live-monitoring model is a real advantage over checking static certificates, and the larger your networked-agent coverage, the more value it delivers.
Wardly is the better fit ifyou’re a general contractor who wants to start today, keep it simple for your subs, grade COIs automatically against your own requirements, track an unlimited number of subcontractors—and pay nothing, with no per-supplier cap and no dependency on whether each sub’s agent is in a network.
Frequently asked questions
Is Wardly a good Certificial alternative?
For general contractors who want to track subcontractor COIs without a per-supplier cap or a monthly subscription, yes. Wardly is self-serve and free forever for unlimited subcontractors, and your subs upload their certificate from a link with no account to create. Certificial is a Smart COI Network that adds real-time policy monitoring when a sub’s insurance agent is in its network—a genuinely useful capability, with a free requestor tier capped at 5 suppliers and paid plans above that.
How much does Certificial cost compared to Wardly?
Certificial is free for insureds and agents, and free for requestors (the company tracking compliance) up to 5 suppliers. Above that, its Requestor Professional plan starts at $99/month, and Requestor Enterprise pricing is quote-only through sales. Wardly is free forever for unlimited subcontractors with no per-supplier limit and no monthly fee, so there is no threshold where tracking more subs starts to cost money.
Is there a free Certificial alternative for unlimited subcontractors?
Yes—Wardly. Certificial’s free requestor tier tracks up to 5 suppliers, then moves to $99/month or an enterprise quote. Wardly is free forever with no cap on the number of subcontractors you track, no credit card, and no trial that expires. It is purpose-built for the general-contractor workflow of collecting and grading subs’ COIs.
Does Certificial’s real-time monitoring work for all of my subcontractors?
Only when the subcontractor’s insurance agent is in Certificial’s network. Certificial reports that roughly 80–85% of vendor certificates come from networked agents, where policy changes flow through automatically. For the rest, certificates fall back to PDF/AI extraction and must be re-requested manually at renewal—so coverage of live monitoring depends on your subs’ agents, not just on you. Wardly grades every ACORD 25 certificate you receive, regardless of which agency issued it.
Does Wardly check endorsements like additional insured and waiver of subrogation?
Yes. Wardly reads ACORD 25 certificates and verifies coverage limits, additional insured endorsements (including the form, like CG 20 10), waiver of subrogation, and primary and non-contributory language against the requirements you set—then grades each certificate A–F automatically, with 24/7 expiration monitoring and reminders.
Can I switch from Certificial to Wardly?
Yes. You can set up your requirements and add subcontractors in minutes, then send upload links to collect current certificates. Because Wardly grades each COI automatically against your standards, you get a clear compliance picture without an implementation project—and without a per-supplier cap as your sub list grows.
Compare Wardly to other COI trackers
See how Wardly stacks up against other certificate-of-insurance tracking tools.
Try the free COI tracker built for GCs.
Add a sub, send an upload link, and get an automatic A–F grade—free forever for unlimited subcontractors, no sales call.
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