COI management software for teams that don't want a sales call
Drop a vendor's certificate of insurance. We extract the limits, additional insureds, waivers, and expiration; check them against your contract requirements; and store every COI in a searchable library with automatic expiration alerts. Starting at $99/mo.
What COI management software actually does
A certificate of insurance management tool exists to do four things, repeatedly, without you having to think about them:
- Extractthe policy details from a PDF the vendor sent — limits, named insureds, additional insureds, waiver of subrogation, primary & non-contributory language, completed operations endorsement, expiration date, and carrier name.
- Verifythose details against your contract requirements. A general contractor's requirements look different from a property manager's, and the same firm often has different requirements per job.
- Store the COI in a library you can search, filter, and export from. Every change is audit-logged and immutable.
- Alert you before any policy expires. Industry standard is 60-day, 30-day, and 7-day reminders.
How COIverify does each step
We are 2026-built and AI-native. Translation: the extraction layer is an LLM specifically tuned for ACORD 25 and the long tail of carrier-custom variants, not a 2019 OCR pipeline retrofitted with AI labels. Field-level extraction accuracy is benchmarked against 1,000+ real carrier PDFs and runs above 95% for the standard coverages.
The verdict engine is rule-based. You define a contract requirement template (per vendor, per job, or per project class), and every incoming COI is checked field-by-field. The output is one of three states: PASS, NEEDS REVIEW, or FAIL — with a named exception list when something doesn't match. No black-box scoring, no mystery-meat "risk score" without explanation.
The audit log is per-COI and immutable. When a regulator, an insurance broker, or a contract auditor asks for the trail, you export it as a PDF or a CSV and you're done.
Why the price is $99/mo when the rest of the category starts at $1,000
The funded incumbent in this space (TrustLayer, $22M raised) sells sales-led. Their cost structure includes outbound SDRs, AEs, customer success implementation engineers, and enterprise procurement cycles. None of that is profitable to layer on top of a $99/mo customer, so they don't.
We chose the opposite shape: self-serve onboarding, public pricing, no sales call required for Solo and Team tiers. Our cost structure is built for that shape. The $99/mo customer is the point, not the consolation prize.
Who this is built for
We've calibrated the product around four buyer profiles. If you fit one of these, the tool will feel obvious. If you don't, one of the alternatives in our comparison guide will probably fit better.
- General contractors, $5–50M revenue. 50–500 active subcontractor COIs. Currently in spreadsheets or paying way too much for an enterprise tool you only use 5% of.
- Property management firms, 5–100 properties.Vendor COIs across HVAC, electrical, plumbing, landscape, cleaning. The team is small. One missed expiration on a roofer is enough to make the tool worth it.
- Multi-location SMB ops (restaurant chains, retail franchisees, franchisor compliance teams). Supplier COIs at every location. Landlord and franchisor requirements that change.
- Vendor-management ops at industrial firms.Compliance plus risk plus AP gating. You want the audit log to be defensible, not aspirational.
What we don't do (and won't add)
Discipline matters. Single-purpose tool, served well:
- No vendor portal where every subcontractor logs in and self-manages — that's TrustLayer's and Certificial's shape, deliberately, and we don't fight them on it.
- No live broker AMS sync — that's Certificial's wedge.
- No multi-tier vendor management workflow with custom fields, scoring, approval chains, and onboarding pipelines. That's an enterprise GRC platform.
- No issuer-side COI generation. We don't make your insurance broker's certificates for them. That's a different product with a different buyer.
Pricing in plain English
The whole pricing table is on the homepage and we don't hide it:
- Solo, $99/mo — 1 user, 50 active COIs, 3 contract templates, email alerts.
- Team, $299/mo — 5 users, 250 active COIs, unlimited templates, Slack + email, audit-log export.
- Pro, $799/mo — Unlimited users and COIs, API access, MS Teams + Slack, SSO, RBAC.
- Enterprise — Custom for 10K+ COI volumes. Sales-led only at this tier.
Founding-cohort agreement is 30-day termination from either side. After public launch, billing is monthly with cancel-from-settings.
Things that will tell you it's the right tool
Risk managers and AP clerks have walked us through their actual workflow on calls. The signal that COIverify is worth your time:
- You can describe at least one missed-expiration incident from the last 24 months. Even a small one. The dollars add up.
- Your contract template requires waiver of subrogation or primary & non-contributory language and you're not 100% sure you're catching every COI that's missing it.
- You spend more than two hours a week on COI verification and it's the most boring part of the job.
- You've looked at TrustLayer or Certificial pricing and decided it doesn't make sense for your firm size.