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TrustLayer

AI-powered COI tracking and third-party compliance automation for enterprise risk managers

Compliance & Regulatory Growth Series A (USD 23.2M total)
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Overview

TrustLayer is an AI-powered third-party risk management platform that automates the collection, verification, and tracking of compliance documents -- primarily Certificates of Insurance (COIs). The company addresses a critical industry problem: an estimated 75% of U.S. businesses are underinsured, and manual processes for verifying insurance compliance are error-prone and time-consuming.

TrustLayer digitizes and automates these workflows using robotic process automation, computer vision, and AI, enabling risk managers across industries to verify that vendors, subcontractors, suppliers, borrowers, and tenants carry adequate insurance coverage. The platform processes over 400,000 COIs monthly across a network of nearly 300,000 companies.

Founded in 2018 and headquartered in Brandon, Florida, TrustLayer serves enterprise clients across construction, real estate, banking, property management, healthcare, retail, distribution, finance, lending, sports entertainment, and hospitality. The company is backed by top U.S. insurance brokerages and strategic investors including Craft Ventures.

Products & Services

COI Tracking and Verification

Automated collection and validation of Certificates of Insurance against client-specified requirements. Detects coverage gaps and limit deficiencies in real time, triggering automated outreach and remediation workflows.

Key Features

  • Automated COI collection from vendors, subcontractors, and tenants
  • Real-time compliance gap detection and alerting
  • Renewal reminders and deficiency notifications
  • Multi-request workflows without manual intervention

Target Users: Enterprise risk managers, real estate developers, general contractors, commercial lenders

TrustLayer Pulse

Real-time carrier connectivity that queries policy data directly from insurance carrier systems to detect policy cancellations, coverage reductions, or limit changes on demand. Launched with an industry-first integration with Nationwide Insurance in December 2024.

Key Features

  • On-demand policy status queries to carrier systems
  • Instant detection of cancellations and coverage changes
  • Reduces reliance on paper COIs for compliance verification

Target Users: Risk managers, brokers, commercial lenders

TrustLayer Plus

Managed compliance service that assigns a dedicated team to handle vendor outreach, COI collection, and document verification on behalf of clients.

Key Features

  • Dedicated compliance team for client vendor networks
  • End-to-end COI collection and tracking
  • Suitable for clients without internal compliance resources

Target Users: Enterprise companies with large vendor networks

Compliance Document Management

Tracks multiple document types beyond COIs, including W-9s, business licenses, and contracts within a unified compliance platform.

Compliance Analytics

Dashboards and reporting on vendor compliance trends and risk exposure across the client organization.

API Integration

REST API enables connections with third-party platforms such as Procore for construction project management workflows.

At a Glance

Founded
2018
Headquarters
Brandon, Florida, USA
Employees
11-50
Funding
Series A (USD 23.2M total)

Category & Focus

Category
Compliance & Regulatory
Subcategories
Insurance Verification Vendor Risk Management Compliance Automation Document Management
Insurance Verticals
P&C Commercial Specialty/E&S
Target Customers
Carriers, Brokers, Employers

Customers

  • El Ad US Holdings (real estate development)
  • Grenadier Homes
  • IMA, Inc. (insurance broker)
  • PayneWest Insurance

Links

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Last updated: 2026-04-08