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COISoftware is a TrustLayer alternative built for teams that want transparent, self-serve COI tracking with a published price at every vendor count, not only under 50. It reads the ACORD 25 with AI, verifies coverage against your rules, and sends renewal reminders, with a free demo and no per-vendor minimums. Upload a certificate above to see the extraction before you decide.
An honest, feature-by-feature comparison of COISoftware and TrustLayer for certificate of insurance tracking.
This comparison reflects public information from vendor sites and 2026 reviews. TrustLayer publishes a free Starter tier up to 50 vendors but no dollar figure for its paid tiers. Confirm current details directly with each vendor. TrustLayer and Evident re-verified on their own pages September 2026.
TrustLayer is a capable, modern platform. Teams still shop for alternatives, usually for a few specific reasons.
Checked 2026-09-01, trustlayer.io/plans names Starter, Pro and Complete and says Starter is free up to 50 vendors, but attaches no dollar figure to either paid tier. Its Starter page adds $10 per additional vendor per month above 50; for Pro or Complete you go through sales to learn the cost, and trustlayer.io/pricing returns a 404.
TrustLayer Starter is free up to 50 vendors, which is a fair way to start. Past 50 vendors Starter charges $10 per additional vendor per month (150 vendors is $1,000 a month), and Pro or Complete show no price, so their cost is only known after a sales call.
Starter is free up to 50 vendors, but TrustLayer Pro and Complete, where the construction integrations sit, are aimed at mid-market and enterprise teams. A small property manager who needs more than Starter often finds the paid platform heavier than the job needs.
TrustLayer markets a highly configurable platform with a public API. 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 demo, 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 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, using AI COI tracking that verifies every certificate against your rules. 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 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 demo, 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 (now illumend), Certificial and COISoftware stack up side by side, or read the focused myCOI (now illumend) 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 demo, 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 Starter is free up to 50 vendors and, according to its Starter page, $10 per additional vendor per month above that. Checked 2026-09-01, trustlayer.io/plans lists Pro and Complete covering 0 to 1500+ vendors with no figure attached, so those tiers are quoted after a demo. Its old /pricing URL returns a 404. COISoftware lists $49 and $149 a month with no vendor count minimum and offers a free 10-document demo. The two are compared in full at TrustLayer vs Evident, and the TrustLayer pricing breakdown works out what the Starter overage costs at 75, 100, 200 and 500 vendors.
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, now illumend, for AI-led review sold by quote. If your main reason for leaving is quote-based pricing once you pass the 50 vendor free tier, COISoftware publishes every paid price and lets you test extraction on your own certificates first.
Yes. TrustLayer Starter is free for up to 50 vendors, according to its Starter page checked in September 2026; above 50 vendors it charges $10 per additional vendor per month, and the Pro and Complete tiers are quoted after a demo. If you want to see a verdict on your own certificate before signing up anywhere, the COISoftware demo reads it with no account.
TrustLayer is a broad compliance platform with a public API 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 demo, and no engineering required. One is a wide platform; the other is fast, self-serve COI automation.
It can be. The free Starter tier covers up to 50 vendors, which fits many small teams. The trade-off comes above that ceiling, where pricing is quoted rather than published. COISoftware publishes every plan price, from $24 a month billed yearly, and checks endorsements on every plan.
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.
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.
What the TrustLayer rating covers, and the products that share its name.
Credentialed reviewers vs a network driven platform, compared.
The two models compared: live agency data vs document AI.
Compare fifteen leading COI tracking platforms honestly, side by side.
myCOI now trades as illumend. How COISoftware compares on pricing and setup.
Compare COISoftware and Jones for real estate and property COI tracking.
Published pricing, vendor count bands and endorsement checking compared.
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
