COISoftware is a TrustLayer alternative built for teams that want transparent, self-serve COI tracking instead of quote-based enterprise software. It reads the ACORD 25 with AI, verifies coverage against your rules, and sends renewal reminders, with a free tier and no per-vendor minimums. 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 TrustLayer for certificate of insurance tracking.
| Feature | COISoftware | TrustLayer |
|---|---|---|
| Pricing | Transparent monthly plans, published | Custom quote, contact sales |
| Free plan | Yes, free tier to start | No free tier |
| Per-vendor minimums | None | Geared to programs of 50+ vendors |
| Best-fit team size | One property to thousands of vendors | Mid-market to enterprise |
| Certificate data entry | AI ACORD 25 extraction | AI and machine-learning extraction |
| Documents tracked | COIs and ACORD certificates | COIs plus W-9s, licenses, waivers and contracts |
| Coverage verification | Automatic against your rules | Automated verification |
| Renewal reminders | 60, 30 and 15 days, automated | Automated expiration alerts |
| Vendor experience | No vendor login, simple upload | No vendor login, large vendor network |
| Setup | Minutes, self-serve, no engineering | API-first, may need engineering to customize |
| Best for | Teams wanting transparent, self-serve automation | Larger teams managing many document types |
This comparison reflects public information from vendor sites and 2026 reviews. TrustLayer does not publish pricing; its figures are quote-based. Confirm current details directly with each vendor. Last verified June 2026.
TrustLayer is a capable, modern platform. Teams still shop for alternatives, usually for a few specific reasons.
TrustLayer quotes custom, enterprise pricing rather than listing plans, so you go through sales to learn the cost. Teams that want to compare on price up front look elsewhere.
There is no free tier to test the product on your own certificates before committing to a contract.
TrustLayer is aimed at mid-market and enterprise teams tracking 50 or more vendors. A property manager with 20 vendors often finds the platform heavier than the job needs.
TrustLayer markets an API-first, highly configurable platform. Realizing that flexibility for custom workflows often takes internal engineering time that smaller teams do not have.
It is a multi-industry compliance platform spanning construction, transportation, property and retail. That breadth is useful, but some teams just want focused, fast COI tracking.
Some teams simply want to upload a certificate, have AI read and verify it instantly, and move on, without rolling out a broad compliance platform.
None of this makes TrustLayer a weak product. For a large organization tracking certificates alongside W-9s, licenses and contracts across many vendors, its breadth and mature vendor network are real strengths. The teams searching for an alternative usually want the opposite: transparent pricing, a free way to start, and AI that verifies certificates without an engineering project or an enterprise contract. That is the gap COISoftware fills.
The same core job (collect, read, verify and track certificates) with transparent pricing, a free tier, and AI that does the heavy lifting.
Upload any certificate and the AI reads the insurer, policy numbers, limits, dates and additional insured status, even from scans and phone photos.
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.
Every certificate, requirement and vendor in one searchable place, so you can answer "who is compliant?" in a single click.
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, 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 TrustLayer 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 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 how much you track and how you want to run it.
If you need to track much more than certificates of insurance, such as W-9s, licenses, waivers and contracts, across a large mid-market or enterprise vendor base, TrustLayer's breadth is a genuine strength. Its large pre-populated vendor network and API-first flexibility suit organizations that have the volume to justify enterprise pricing and the engineering capacity to configure custom workflows.
If you want focused COI tracking that you can run yourself, COISoftware fits better. You get AI ACORD 25 extraction, automatic coverage verification against your own rules, and renewal reminders, with transparent monthly pricing, a free tier, and no per-vendor minimums or engineering setup. 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 TrustLayer, myCOI, Certificial and COISoftware stack up side by side, or read the focused myCOI alternative comparison.
Yes. COISoftware does the same core job as TrustLayer, collecting, reading, verifying and tracking certificates of insurance, but with transparent monthly pricing, a free tier, and no per-vendor minimums or engineering setup. It suits teams that want focused, self-serve COI automation rather than a broad enterprise compliance platform.
TrustLayer does not publish its pricing; it quotes custom, enterprise rates based on your vendor count and needs, so you have to contact sales. Across the COI market, full-service and enterprise platforms generally run from $10 per vendor per year into five and six figures annually. COISoftware lists transparent monthly pricing and offers a free tier.
The best alternative depends on what you want. COISoftware is the strongest fit for transparent pricing and self-serve AI extraction, Certificial for real-time policy data, and myCOI for a managed expert service. If your main reason for leaving is enterprise quote-based pricing and no free trial, COISoftware addresses both directly.
TrustLayer does not offer a free tier; access is through a custom enterprise contract after a sales conversation. If you want to test COI tracking on your own certificates at no cost first, COISoftware has a free plan you can start in minutes.
TrustLayer is a broad, API-first compliance platform that tracks COIs alongside W-9s, licenses and contracts for larger organizations. COISoftware is focused COI tracking software: AI reads and verifies each certificate against your rules, with transparent pricing, a free tier, and no engineering required. One is a wide platform; the other is fast, self-serve COI automation.
TrustLayer is built for mid-market and enterprise teams tracking 50 or more vendors, so smaller businesses often find it heavier and more expensive than they need. COISoftware has no per-vendor minimum and a free tier, so a team tracking 10 to 20 vendors gets automated verification and reminders without enterprise pricing.
Yes. Export your vendor list and current certificates, upload the COIs into COISoftware, and the AI reads each one automatically. Set your coverage requirements once and you are tracking compliance with renewal reminders. Most teams are up and running the same day, with no developer involved.
Compare the seven leading COI tracking platforms honestly, side by side.
See how COISoftware compares to myCOI on pricing, setup and features.
Read ACORD 25 data, verify coverage and track every COI expiration.
