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Compare · COI tracking

TrustLayer alternatives for COI tracking

Published by Sublien LLC, which sells SubLien. TrustLayer’s prices and plan contents are from its own site, checked October 25, 2026.

Quick answer

TrustLayer’s free Starter plan covers 50 vendors and charges $10 for each additional vendor a month, and its AI there checks that a document is present; checking certificates against your requirements is on Pro, whose price isn’t published. SubLien’s AI checks every coverage line against your minimums on every plan, from $199 a month for up to 25 active vendors. The same plan also collects each sub’s lien waivers, W-9 and signed agreements, so one vendor record holds everything you need before you pay.

Price

What each vendor count costs

TrustLayer Starter at its published rate beside SubLien’s published monthly price, by active vendors, checked 2026-10-25
Active vendorsTrustLayer StarterSubLien
50Free$299/month, every feature included
100$500/month$399/month, every feature included
150$1,000/month$499/month, every feature included
200$1,500/month$599/month, every feature included
250$2,000/month$699/month, every feature included
300$2,500/month$799/month, every feature included

Starter’s $10 per vendor above 50 is from TrustLayer’s Starter page; Pro and Complete aren’t priced on its plans page. SubLien’s are its published prices, monthly, or annual with two months free.

TrustLayer vs. SubLien

What Starter leaves for Pro

What TrustLayer’s plans page puts on Starter and Pro, beside SubLien’s plans, checked 2026-10-25
TrustLayer Starter (free)SubLien, every plan
Checks against your requirementsOn Pro (“AI Smart Requirements”); Starter’s AI checks that a document is presentAI checks every coverage line against your minimums
W-9sW-9 extraction on ProRequested by link, tracked and stored as sent
Procore integrationOn ProProcore or QuickBooks Online
Unlimited usersOn CompleteIncluded
Published priceStarter only; Pro and Complete by quoteEvery step, 50 to 500 vendors and above
COIs

Checked against your minimums, decided by your team

The certificate is read line by line, each value is shown where it sits on the ACORD 25, and the decision is recorded with a name on it.

  • Three levels of minimums

    A company default, project minimums and vendor minimums. The highest limit and every required endorsement apply.

  • One date per coverage line

    Each line keeps its own expiry, and renewal reminders follow the first one to run out.

  • Questions answered from the certificate

    Ask whether the owner is an additional insured; the answer quotes the certificate it came from.

  • Lien waivers and W-9s on the same record

    The sub’s waivers, W-9 and agreements sit beside the certificate, so the person approving a payment sees all of it.

SubLien COI review of a fictional ACORD 25 certificate: the certificate fields AI checked against the configured minimums, with general liability below its minimum, auto at or above it, and each coverage line's expiration date
Actual product screen with fictional demo records.
See the COI workflow
Switching

Moving your COIs off TrustLayer

  1. Export your current certificates from TrustLayer and keep them with your project files.

  2. Recreate your insurance requirements as a company default, then the projects and vendors that need more.

  3. Import the subs you work with now from a spreadsheet, Procore or QuickBooks Online. Only active vendors count toward your plan.

  4. Request current certificates; each sub or its agent uploads from a secure link.

Questions

Questions GCs ask when leaving TrustLayer

How much does TrustLayer cost?

TrustLayer's Starter plan is free for up to 50 vendors, then $10 per additional vendor a month. Its Pro and Complete plans carry no published price ("pricing varies depending on platform usage"). SubLien publishes every step, from $199/month for up to 25 active vendors to $1,199/month for 500, then $100/month for every 50 more vendors.

Does TrustLayer's free plan check certificates against my requirements?

TrustLayer describes Starter's AI as verifying that a document is present; defining insurance thresholds and endorsements moves you to its Pro or Complete plan, which list AI Smart Requirements. SubLien's AI checks every coverage line against your minimums on every plan, and a named reviewer on your team records the decision.

Does SubLien have a free plan?

No. Every plan includes every feature: COI checks, lien waivers, W-9 collection, vendor documents, unlimited users and a Procore or QuickBooks Online connection, from $199/month for up to 25 active vendors. Plans start with a 15-minute demo.

Can I bring my existing insurance requirements?

Yes. Set a company default once, then project minimums and any vendor that needs more. Every applicable row is a minimum, so the highest limit and every required endorsement apply.

Do my subs or their agents need an account?

No. The sub or its insurance agent uploads from a secure emailed link with no account and no fee, and renewal reminders can copy the agent.

This page is general information, not legal or insurance advice. Your team decides whether a sub’s coverage meets your requirements.

Watch SubLien check one of your own COIs.

Bring an ACORD 25 from a current sub. We’ll show the AI checking each coverage line against your minimums and the review your team records.

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