Vendor profile
TrustLayer
LeadersModern COI tracking platform with carrier-direct verification and a sizable pre-existing vendor network.
TrustLayer positions itself as a modern, AI-assisted COI tracking platform with a multi-tier verification model — carrier-direct where partnerships exist (Nationwide is the publicized example), broker-network for participating brokers, and document-based for the rest. Reception is generally favorable on vendor experience and broker friendliness.
Strengths
- Deep construction industry penetration including ENR 400 contractors as both customers and vendor submitters — broker conversations and customer interviews consistently surface this as the largest installed base in the construction segment
- Published carrier-direct verification partnership (Nationwide)
- AI integrated into core verification workflow rather than bolted on
- Sizable pre-existing vendor network reduces onboarding friction for net-new buyers
- Broker-friendly architecture that aligns with rather than disintermediates broker relationships
- No formal certificate minimum — flexes for SMB through enterprise
Weaknesses
- Carrier-direct tier only applies to vendors insured by integrated carriers; aggregate pitch can imply broader applicability than the underlying capability delivers
- Identity / MVR / credentialing not a focus — multi-domain compliance buyers should evaluate EvidentID
Best fit for
- Construction GCs, including ENR 400 firms — TrustLayer's deepest customer concentration
- Mid-market and enterprise risk teams without legacy attachment
- Programs where vendor onboarding speed matters
- Buyers prioritizing modern verification architecture and broker neutrality
- Mixed-vertical compliance programs
Less ideal for
- Buyers with existing deep MyCOI or Veriforce integrations and no appetite for migration
- Multi-domain compliance buyers needing identity / MVR / credentialing in one system (evaluate EvidentID)
Pricing
Not publicly published. Generally flexible on contract structure across SMB through enterprise. No formal certificate minimum we are aware of.
Integrations
- ·Procore (mature)
- ·NetSuite, Sage, ERP via API
- ·Carrier-direct (Nationwide)
- ·Broker AMS network (selective)
- ·Slack, email workflows
From our research
TrustLayer is the platform that comes up most often in our broker conversations as one buyers can adopt without creating broker-side friction. Construction is the platform's bread-and-butter — the customer concentration on the GC side, including ENR 400 firms, is larger than any other COI tracker in the category, and the submitter network reflects that. Verify the share of your vendor base actually covered by the carrier-direct or pre-existing network during evaluation rather than relying on the aggregate figures the company markets.
Head-to-head comparisons
TrustLayer vs. EvidentID: COI-Native Platform vs. Identity-First Verification
TrustLayer vs EvidentID compared on COI capabilities, identity verification, vendor experience, and platform fit. Honest comparison for risk managers.
TrustLayer vs. Certificial: Real-Time Claims, Real Verification, and What Actually Matters
TrustLayer vs Certificial compared on verification, real-time monitoring claims, data accuracy, and vendor experience. The honest comparison for risk managers.
TrustLayer vs. Jones: Modern Platform vs. Construction-Native Specialist
TrustLayer vs Jones compared on construction fit, CRE workflows, vendor experience, and the auto-outreach problem. Honest analysis for risk managers choosing between them.
TrustLayer vs. MyCOI: A 2026 Comparison for Risk Managers
TrustLayer vs MyCOI compared on verification depth, vendor experience, AI capabilities, and pricing. An honest breakdown for risk managers evaluating both.
In the essays
Why 'Real-Time COI Verification' Is Mostly Marketing Theater
Most 'real-time' COI platforms rely on AMS data that's only as fresh as the last time a broker updated it. Here's how to spot the difference between actual carrier-direct verification and dressed-up spreadsheet syncs.
What COI Tracking Will Look Like in 2030
Predictions for the COI tracking category over the next five years — what changes, what doesn't, and what to plan for.
Why Insurance Brokers Matter in Your COI Platform Choice
Your broker is a key stakeholder in COI tracking — but most platforms ignore the broker relationship. Here's why broker compatibility matters, and which platforms get it right.
The Quiet Death of myCOI: What Happened to a Category Pioneer
myCOI was an early pioneer in COI tracking software. Two decades later, the platform is showing its age — and the Illumend rebrand isn't fixing the underlying problems. Here's what's happening.
How to Run a COI Platform Demo So You Don't Get Sold Garbage
Sales demos are designed to make platforms look good. Here's how to structure your evaluation demos so you see what's actually under the hood — including the warts.
Implementation Horror Stories: How COI Software Rollouts Go Wrong
Implementation is where most COI software ROI gets lost. Real patterns from rollouts that failed, and how to avoid them.
The Certificial Problem: When 'Smart COI' Is Built on Dumb Data
Certificial markets itself as a real-time COI network. The reality: their data foundation depends on AMS systems with documented accuracy problems. Here's what risk managers need to know before signing.
International Vendor Compliance: When COIs Aren't COIs
Tracking compliance for international vendors is harder than domestic. Different document standards, different coverage structures, different verification challenges.