myCOI and TrustLayer are the two names that show up on almost every COI tracking shortlist. myCOI pairs software with insurance professionals and now ships its AI under a new brand, illumend. TrustLayer is document AI plus a large vendor network, built API first. Neither publishes pricing. Here is the honest difference, and where a third option fits.
Last updated July 2026
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Feature by feature, using only what each vendor publishes. Blank claims are marked as not published rather than guessed.
| Feature | myCOI (illumend) | TrustLayer | COISoftware |
|---|---|---|---|
| Founded around | 2009, roughly 16 years in COI tracking | Insurtech era, modern platform | AI native, launched recently |
| AI engine | Lumie, the AI behind illumend | In house document AI, trained on high certificate volume | AI ACORD 25 extraction and rule checks |
| Human review | Yes, compliance professionals handle edge cases | Available, not the default of the base product | No, self serve software only |
| Documents tracked | Certificates and related insurance documents | COIs, W9s, licenses, contracts and custom documents | COIs, ACORD forms, endorsements and policy documents |
| Vendor network | Not the core of the model | States a network of more than 517,000 companies | None, every vendor is verified from its own certificate |
| Live carrier data | Not published | Some coverage confirmation through carrier partnerships | No, document based verification |
| Published pricing | No, quote based | No, quote based | Yes, monthly plans from $49 |
| Free plan | Not published | A free COI checking tool, not a full plan | Yes, free tier |
| Notable integration | Procore | API first, connects to compatible systems | API and Procore workflow support |
| Best for | Teams that want insurance experts in the loop | Larger programs that want automation and a vendor network | Teams that want transparent pricing and to run it in house |
Compiled from each vendor public website in July 2026. myCOI and TrustLayer both price by quote, so no cost figures are shown for them. Vendors change products and pricing, so verify before you buy.
Both collect certificates, read them and tell you who is out of compliance. The difference is what happens around the document.
As of 2026, mycoitracking.com redirects to illumend.ai, where the product is presented as illumend from myCOI. The AI engine is named Lumie, and illumend states that Lumie decides routine certificate questions while human compliance professionals handle edge cases. Existing myCOI customers still log in through the old portal. If a comparison article you are reading does not mention illumend, it is out of date.
myCOI has always paired software with insurance people. TrustLayer leans on automation and scale, and its human review is not what the base product is sold on. That single choice drives most of the other differences in price, turnaround and how much insurance expertise your own team needs.
TrustLayer handles W9s, business and professional licenses, driver licenses and contracts alongside COIs. If your onboarding checklist has six documents on it, that breadth is a real advantage over a pure certificate tool.
TrustLayer states a network of more than 517,000 companies, which means some of your vendors may already have documents in the system. It also means the model works best when your vendors participate. A vendor that will not engage still has to be verified from the certificate it emails you.
Both route pricing through a demo. Any article quoting a hard monthly number for either platform is quoting a review site, not the vendor. Expect a quote scaled to vendor count, and expect an annual contract.
A property manager with 200 tenant certificates or a contractor with 60 subcontractors is below the size these platforms are priced around. That is the gap that sends smaller programs looking for a third option.
If you want a wider field than these two, our best COI tracking software roundup compares eight platforms, and the single vendor deep dives live at myCOI alternative, TrustLayer alternative, Certificial alternative and CertFocus alternative.
Neither myCOI nor TrustLayer lets you see the price or test the extraction before a sales call. That is the specific gap COISoftware was built for.
Upload an ACORD 25 and the insurer, NAIC number, policy numbers, limits, dates and additional insured status come back in seconds, from scans and phone photos as well as clean PDFs.
Published monthly plans starting at $49, a free tier, no annual minimum and no implementation fee. You can size the cost before anyone books a demo.
Set minimum limits, required coverages and endorsement wording by vendor type, and every arriving certificate is scored against them automatically.
Reminders at 60, 30 and 15 days go to the vendor, not to your calendar, so a lapse is caught before a crew shows up uninsured.
Every vendor is verified from its own certificate, so a subcontractor who has never heard of us is onboarded exactly as fast as one who has.
Produce the compliance record an auditor, insurer or client asks for without rebuilding it from an inbox.
COISoftware reads the ACORD 25 and the broader certificate of liability insurance the same way these platforms do, then applies the checks behind certificate of insurance verification and the ongoing monitoring in vendor insurance compliance software. If you are weighing software against a done for you service, read COI tracking software vs a managed service first.
Four questions settle most COI tracking evaluations faster than a demo does.
If nobody internally can spot a missing completed operations endorsement, buy the human review layer. myCOI is built around it. If you have a risk manager who reads certificates today, you are buying software, and the review team is cost you do not need.
Tip: Answer this one first. It eliminates half the market either way.
If onboarding also collects W9s, licenses and signed contracts, TrustLayer covers that spread natively. If the job really is certificates and endorsements, a certificate focused tool will be faster and cheaper.
Network models reward vendors who engage. Verify the model against your actual roster, including the two person subcontractor who emails a scanned certificate once a year and will never log in anywhere.
Not the clean sample PDF. The crooked phone photo of a fax. Whichever platform reads that correctly is the one that will survive contact with your inbox. COISoftware lets you run that test free, today.
Three straight answers rather than a scorecard that always ends with us winning.
Sixteen years of certificate review is a real asset, and the model where AI decides the routine cases and compliance professionals handle the edge cases is the right shape for an organization with high risk contracts and no insurance staff. Construction and commercial real estate programs with a Procore workflow are the natural fit. Our full write up sits at myCOI alternative.
When the compliance checklist runs to W9s, licenses, contracts and COIs, and the vendor roster is large enough that a network gives you a head start, TrustLayer earns its place. It is API first, so an engineering team can wire it into vendor onboarding properly. The detail is in our TrustLayer alternative comparison.
If the honest description of your problem is that certificates arrive by email, live in a folder, and nobody notices when one expires, you do not need a managed service or a network. You need AI that reads them, rules that check them and reminders that chase them. That is a COI tracking system you can stand up this week, and the migration path from a spreadsheet is covered in manual COI tracking vs software.
myCOI pairs COI tracking software with insurance professionals who review certificates, and now ships its AI under the illumend brand with an engine called Lumie. TrustLayer leans on document AI, a large vendor network and API first integration, and it tracks W9s, licenses and contracts alongside certificates. myCOI sells judgment; TrustLayer sells automation and breadth.
Yes. In 2026 mycoitracking.com redirects to illumend.ai, which presents illumend as the AI native successor product from myCOI. Existing myCOI users can still log in at the previous portal. The company describes Lumie as the AI engine that reviews certificates line by line against contract requirements, with human professionals handling edge cases.
Neither publishes pricing. Both quote based on vendor count and the service level you need, and both route you through a demo first. Any specific monthly figure you find in a comparison article comes from a review site or a user report, not from the vendor. Expect an annual contract in both cases.
Neither publishes a free plan. TrustLayer offers a free online tool that checks a single certificate, which is not the same as a trial of the platform. If testing extraction accuracy on your own documents before you buy matters, COISoftware has a free tier for exactly that.
myCOI, now illumend, has deep construction and commercial real estate roots and a Procore integration, which matters if subcontractor compliance lives inside Procore. TrustLayer suits general contractors who also collect W9s, licenses and contracts. For a smaller general contractor tracking subcontractor certificates directly, self serve software is usually faster to stand up and cheaper to run.
If the objection is quote based pricing and a sales cycle, COISoftware publishes monthly plans and a free tier. If you want live carrier data rather than static documents, Certificial is the different model worth seeing. If you want credentialed insurance staff reviewing certificates, CertFocus full service and myCOI are the two to compare against each other.
No. A network can pre populate documents for vendors already in it, which saves onboarding time at scale. It does nothing for the vendors who are not, and most small subcontractors are not. Document based verification reads whatever certificate the vendor emails you, which is what actually arrives in most inboxes.
