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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.
An honest, feature-by-feature comparison of COISoftware and Certificial for certificate of insurance tracking and verification.
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. Vendors whose agent is not on the network send ordinary certificates, so for them you are tracking static documents anyway. Ask Certificial how many of your own vendors' agents are connected before you rely on live data.
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 CSV the moment a client, insurer or auditor asks for proof.
Published monthly pricing with a free demo 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 demo, 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 (now illumend), TrustLayer and COISoftware stack up side by side, or read the focused TrustLayer alternative and myCOI (now illumend) 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 demo, 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 (Contact Us). Our Certificial pricing guide shows what the starting price does not cover. COISoftware also lists transparent monthly pricing and offers a free 10-document demo 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 10-document demo, 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 demo. myCOI, now illumend, suits teams wanting AI-led review sold by quote, and TrustLayer suits larger programs tracking many document types alongside COIs.
Plans and prices of other vendors are quoted from their own public pages, checked in September 2026. Prices change, so confirm them at the source before you decide. Where a vendor publishes no price, we say so instead of guessing.
Our own prices are on the pricing page, and you can test COISoftware on your own certificate before you pay anything.
No credit card required. New accounts start with a one-time demo of 10 documents.
Start tracking vendor certificates of insurance and never miss an expiration.
USD
per month
per month
$288 charged today
One shared monthly allowance. Spend it on either model, or mix: 1 Pro AI certificate = 5 Base AI certificates. A certificate counts as one, whatever its page count.
| Base AI Faster | 2,500 certificates |
| Pro AI Best accuracy | 500 certificates |
Four times the monthly certificate allowance and four times the Smart Reports.
USD
per month
per month
$888 charged today
One shared monthly allowance. Spend it on either model, or mix: 1 Pro AI certificate = 5 Base AI certificates. A certificate counts as one, whatever its page count.
| Base AI Faster | 10,000 certificates |
| Pro AI Best accuracy | 2,000 certificates |
The largest certificate allowances, API access and the most Smart Reports.
USD
per month
per month
$ charged today
Two separate monthly allowances, one per AI model. Certificates read with Base AI count only toward the Base AI allowance, and certificates read with Pro AI only toward the Pro AI allowance. A certificate counts as one, whatever its page count.
| Base AI Faster | certificates |
| Pro AI Best accuracy | certificates |
Double the Pro 350K allowances for the largest certificate programs.
USD
per month
$59,880 charged today
