COISoftware is a Certificial alternative for teams that want to verify and track certificates of insurance from the documents they already collect, without waiting for every vendor's agent to join a network. The AI reads each ACORD 25, checks coverage against your rules, and sends renewal reminders. Upload a certificate above to see the extraction before you decide.
Last updated June 2026
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An honest, feature-by-feature comparison of COISoftware and Certificial for certificate of insurance tracking and verification.
| Feature | COISoftware | Certificial |
|---|---|---|
| Tracking model | AI extraction of any certificate you collect | Live policy data from connected agent systems |
| Works for every vendor day one | Yes, any uploaded COI, scan or photo | Live data only when the vendor's agent is in the Smart COI Network |
| Free plan | Yes, free tier to start | Yes, track up to 5 suppliers free |
| Starting paid price | Transparent monthly plans, published | Professional starts at $99 per month |
| Real-time mid-term monitoring | Re-verification on upload plus renewal reminders | Yes, live mid-term change detection |
| Certificate data entry | AI ACORD 25 extraction | Pulled from connected agent management systems |
| Vendor or agent setup | None, you upload the COI you already have | Vendors and their agents connect to the network |
| Coverage verification | Automatic against your rules | Automatic against your rules |
| Best-fit team | Any team with certificates in hand today | Programs whose vendors' agents will join the network |
| Enterprise pricing | Custom for large programs | Custom quote, contact sales |
This comparison reflects public information from Certificial's site and 2026 reviews, including its published pricing (free for up to 5 suppliers, Professional from $99 per month). Certificial does not publish enterprise pricing; those figures are quote-based. Confirm current details directly with each vendor. Last verified June 2026.
Certificial is a strong, modern platform. Teams still shop for alternatives, usually for a few specific reasons tied to its network model.
Certificial's real-time policy data only flows when a vendor's insurance agent is connected to the Smart COI Network. Around 80 to 85 percent of vendor agents are typically networked, so for the rest you are tracking static certificates anyway.
The network model asks your vendors and their agents to connect and keep data flowing. Some smaller or reluctant vendors never finish the step, which leaves gaps you still chase by hand.
Most teams already collect COIs by email at onboarding. If you mainly need to read, verify and track the documents in hand, enrolling into a data network can be more than the job requires.
Waiting for an agent to connect before you can verify a new vendor slows onboarding. Reading the certificate the vendor already sent you is immediate.
Some risk teams prefer to hold and verify the actual certificate documents themselves rather than rely entirely on a third-party data feed.
Plenty of teams just want to drop in a certificate, have AI read and check it against their rules, and get a reminder before it expires.
None of this makes Certificial a weak product. Its live-data model is genuinely strong for fraud resistance and always-current coverage, because policy changes flow straight from the agent system instead of a static PDF. When your vendors and their agents participate, that real-time monitoring is hard to beat. The teams searching for an alternative usually want the opposite trade-off: document-based tracking that works for every vendor the day you onboard them, with AI doing the reading and verifying. That is the gap COISoftware fills.
The same core job (collect, read, verify and track certificates) done from the documents you already have, with AI doing the heavy lifting and no network to enroll.
Upload any certificate and the AI reads the insurer, policy numbers, limits, dates and additional insured status, even from scans and phone photos. No agent connection required.
Set your requirements once and every certificate is checked against your minimum limits and required endorsements, then flagged the moment it falls short.
Automated reminders go out at 60, 30 and 15 days before a policy lapses, so coverage never gaps and you never chase a renewal late.
Verify a new vendor the moment they send a certificate. There is no waiting for an agent to join a network before you can track them.
Export a clean compliance report to Excel or PDF the moment a client, insurer or auditor asks for proof.
Published monthly pricing with a free plan and no per-vendor minimums, so you see the cost and start without a sales call or an engineering ticket.
COISoftware reads the same forms your agents send, including the ACORD 25 and the broader certificate of liability insurance. For the full feature set, see our certificate of insurance management software and vendor insurance compliance software. To confirm a certificate is genuine, read our guide to certificate of insurance verification, or compare the whole market in our best COI tracking software roundup.
Moving your COI tracking over takes about an afternoon, not a platform migration project.
Pull your current vendors and their latest certificates out of Certificial or your spreadsheet. A simple list of vendors and their COIs is enough to start.
Tip: Start with your highest-risk vendors to see value the same day.
Drag your existing COIs into COISoftware and the AI reads each ACORD 25 automatically: insurer, limits, dates, endorsements and additional insured status. No manual re-entry, no agent connection and no developer needed.
Define your minimum limits and required endorsements once. Every certificate is checked against them, and renewal reminders go out before anything lapses.
An honest take, because the right tool depends on whether your vendors will join a live-data network or you would rather track the documents yourself.
If real-time, always-current policy data matters more than anything else, and your vendors and their agents will participate in the Smart COI Network, Certificial's model is genuinely strong. Live data flowing from agent management systems gives you mid-term change detection and source verification that a static certificate cannot match. For a large program where most vendor agents are networked, that fraud resistance and live monitoring are real advantages.
If you want verification that works for every vendor the day you onboard them, regardless of whether their agent joins a network, COISoftware fits better. The AI reads any certificate you collect, checks it against your own rules, and reminds you before it expires, with transparent monthly pricing, a free tier, and no enrollment step for vendors or agents. It scales from a property manager with 20 vendors to a contractor with thousands, and you can start free today using the uploader above.
Many teams compare both against other platforms too. See our honest best COI tracking software roundup for how Certificial, myCOI, TrustLayer and COISoftware stack up side by side, or read the focused TrustLayer alternative and myCOI alternative comparisons.
Yes. COISoftware does the same core job as Certificial, reading, verifying and tracking certificates of insurance, but from the documents you already collect rather than a live agent-data network. That means it works for every vendor the day you onboard them, with AI extraction, transparent pricing and a free tier, and no enrollment step for vendors or agents.
Certificial is free for insureds, agents and brokers, and free for requestors tracking up to 5 suppliers. Its paid Professional plan starts at $99 per month, and enterprise pricing is a custom quote based on vendor volume. COISoftware also lists transparent monthly pricing and offers a free tier to start.
Certificial monitors live policy data pulled from connected agent management systems, so it shines when vendors and their agents join its network. COISoftware reads the certificate documents you collect with AI and verifies them against your rules, so it works for every vendor immediately without any network enrollment. One relies on a live data feed; the other on document-based AI extraction.
Yes. Certificial is free for insureds, agents and brokers, and free for requestors tracking up to 5 suppliers. Beyond that, its Professional plan starts at $99 per month. COISoftware also has a free plan, so you can test COI verification on your own certificates before paying.
The Smart COI Network is Certificial's system of connected insurance agencies that push live policy data into the platform. When a vendor's agent is in the network, coverage changes appear automatically. When the agent is not connected, you track a static certificate instead, which is where document-based AI tools like COISoftware help.
No. You upload the certificate a vendor already sent you and the AI reads and verifies it. There is no portal for vendors to log into and no network for their insurance agent to join, so you can onboard and verify a new vendor the same day.
The best alternative depends on what you value. COISoftware is the strongest fit if you want document-based AI verification that works for every vendor without a network, plus transparent pricing and a free tier. myCOI suits teams wanting a managed expert service, and TrustLayer suits larger programs tracking many document types alongside COIs.
