Sep 28, 2026
TrustLayer Pricing, What Each Plan Costs and How the Quote Works
TrustLayer publishes one price, a Starter overage above its free tier; Pro, Complete and TrustLayer Plus are quoted. Verified figures and what to ask.
Read moreUpload a certificate of insurance and see missing endorsements, low limits and the expiration date in seconds. No account needed.
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ACORD 25 or any COI: PDF, JPG, PNG, HEIC, TIFF
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Built for risk, compliance and operations teams in
How it works
No spreadsheets to maintain, no manual keying, no certificates lost in inboxes.
Upload the certificates you already have, one at a time or in batches of up to 50 files.
Every limit, date, policy number and endorsement checkbox is extracted, validated and compared against your requirements.
Expirations and deficiencies are flagged before they become exposure. Export to Excel, CSV, JSON or sync via API.
Every coverage line is tracked separately by its own expiration date. You get an email as a policy crosses 60, 30 and 15 days to expiration, and again once it has lapsed.
The risk behind the certificate
Injury claims are among the most common and most expensive claims a business faces. A valid certificate, backed by the right endorsements, is how you make sure a vendor's insurer answers for the vendor's work.
of The Hartford's small-business claims from 2020 to 2024 were slip, fall and customer-injury claims, the kind a vendor's liability policy is there to cover.
was the average slip, fall and customer-injury claim in the same analysis, one of the costliest claim types The Hartford reported.
is what every ACORD 25 says about itself: the certificate confers no rights upon the certificate holder. Only the policy and its endorsements do, which is why we read the endorsement pages.
Source: The Hartford, small-business claims analysis, December 9, 2025. Certificate wording: ACORD 25 Certificate of Liability Insurance.
Built for risk transfer
A checkbox on a certificate is not proof. COISoftware reads the ACORD form and the endorsement pages, so you know the coverage your contract requires is really there.
Every compliance document
COISoftware extracts structured data from ACORD forms and carrier certificates with no template setup, whatever the carrier layout.
Integrations
POST a certificate, then read the extracted fields and coverage lines as JSON. Embed COI intake inside your own onboarding flow.
{
"success": true,
"data": {
"document_type": { "name": "Certificate of Insurance" },
"status": "completed",
"fields": [
{ "label": "Named Insured", "content": "Apex Roofing LLC" },
{ "label": "Coverage Lines", "is_table": true,
"rows": [ limits, policy numbers, dates ] }
]
}
}
Security & compliance
Encryption in transit, and a straight answer about what we hold and what we do not.
Every upload, page and export travels over TLS 1.2 or newer. Older TLS versions are refused.
Export your extracted data at any time, and delete your account and the documents in it on request.
A Business Associate Agreement can be put in place before any protected health information is processed. We hold no HIPAA certification.
We hold no SOC 2 attestation or ISO 27001 certificate today and will not imply otherwise. Security documentation is available on request.
By industry
Construction GCs, property managers, franchisors, hospitals, municipalities and logistics teams use COISoftware to keep every third party compliant.
Track subcontractor COIs per project and per trade. Verify additional insured status before anyone steps on site.
Learn moreTenant and vendor certificates tracked per property, with the landlord verified as additional insured on every one.
Learn moreAccelerate certificate review, loss-run analysis and renewal workflows with structured policy data.
Learn moreChoosing a platform
Buyers look for this category under a dozen names. Most of them describe the same product. Two describe something genuinely different, and it is worth knowing which one you are pricing before a sales call.
Comparing vendors? Best COI tracking software puts fifteen platforms side by side, and COI tracking software pricing lists every published rate in the category, with the quote-only vendors marked as such.
FAQ
COI tracking software collects certificates of insurance from your vendors, subcontractors and tenants, extracts the coverage data, verifies it against your insurance requirements, and tracks expirations so you are never exposed by a lapsed or insufficient policy.
ACORD 25 certificates of liability insurance, ACORD 24/27/28 property forms, additional insured endorsements (CG 20 10, CG 20 37), waivers of subrogation (CG 24 04, WC 00 03 13), policy declarations, surety bonds, W-9s, business licenses, loss runs and more.
Both. The ADDL INSD and SUBR WVD checkboxes on an ACORD 25 are informational only, so COISoftware also reads the endorsement pages themselves to confirm the wording, schedule and form numbers your contract requires.
Every coverage line is tracked separately by its own expiration date. You get an email as a policy crosses 60, 30 and 15 days to expiration, and again once it has lapsed. Each one names the vendor whose renewed certificate you need to collect, and the dashboard flags anything expired, expiring or deficient.
Yes. POST a certificate and read back structured JSON with every extracted field and coverage line: insured, insurers, policy numbers, limits and dates. That lets you run extraction inside your own onboarding or procurement systems.
Simple self-serve plans with no per-vendor minimums and no mandatory service contracts. Start free and upgrade when your volume grows. Enterprise is offered on custom terms: contact our support team.
You upload each certificate, or your vendor uploads it through a link you send, and the software reads the ACORD form and pulls the insurer, limits, policy dates and endorsements, then compares them with the requirements you set for that vendor type. Certificates that fall short are flagged with the reason, and reminders go out before any policy expires so coverage stays current.
COISoftware publishes its prices: plans start at $49 per month, or $24 per month billed annually, with no per-vendor minimums and no implementation fee. Most competitors are quote-only. Our COI tracking software pricing page lists every rate the category publishes and marks the vendors that publish none.
The terms overlap and usually describe the same product. Tracking stresses watching expiration dates so nothing lapses. Management is the broader word for the whole program: collecting, reading, verifying, storing and reporting on certificates. A good platform does both, so check whether the tool covers the full loop rather than which label it uses.
A spreadsheet is fine for a handful of long-standing, low-risk vendors. It stops working once reading certificates becomes the bottleneck, as vendors and renewals pile up, or when a contract makes you prove enforcement. A spreadsheet stores what you type and verifies nothing, so a missing endorsement or a low limit goes unnoticed.
Not on its own, and no document-based tracker can. A certificate is a snapshot of the day it was issued, so a policy cancelled before its listed expiration shows up only when a cancellation notice or a new certificate reaches you. When one does, COISoftware flags the policy as cancelled mid-term (the same policy now ending earlier, a replacement policy starting before the old one ended, or a stated cancellation date) on the vendor, the dashboard and the next reminder. Mid-term confirmation between documents still comes from the vendor or carrier.
Resources
Sep 28, 2026
TrustLayer publishes one price, a Starter overage above its free tier; Pro, Complete and TrustLayer Plus are quoted. Verified figures and what to ask.
Read moreSep 21, 2026
Government COI tracking compared: five platforms on price, purchasing path and whether they check the full additional insured wording your contracts require.
Read moreSep 15, 2026
Four COI platforms still publish that licensed insurance people read your certificates. Which ones, what credentials they name, and what the human layer costs.
Read moreUpload a certificate above or create a free demo account in minutes.
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
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 | certificates |
| Pro AI Best accuracy | certificates |
Custom terms, contact our support team.