Compare
DueFiles vs TrustLayer
TrustLayer puts verification behind a demo and quote. DueFiles gives your team the portal, endorsement rules, review queue, and published catalog needed to run the program.
A PDF in a folder does not prove coverage. DueFiles shows which forms count, keeps the pass under your team's control, and lets you start without a sales cycle.
Why DueFiles wins
- Verify named endorsement forms: CG 20 10, CG 20 37, CG 24 04, CG 20 01, CG 34 01, and WC 00 03 13.
- Treat an Additional Insured or Waiver checkbox without its form as a gap.
- Keep every pending vendor grey until a reviewer confirms the packet.
- Collect certificates from vendors and brokers through a no-login portal.
- Choose a published plan: Free, $39 Starter, $99 Pro, or $249 Business. Extraction is included.
- Send reminders at 60, 30, 15, and 7 days, then stop when the file passes.
Side by side
What buyers actually ask, answered with product behavior.
Can you start without a sales call?
- TrustLayer
- No. Book a demo, then receive a quote.
- DueFiles
- Yes. Start free with up to 10 vendors.
Is pricing published?
- TrustLayer
- No. Pricing is quote-led.
- DueFiles
- $0 Free, $39 Starter, $99 Pro, or $249 Business.
Does the vendor portal require a login?
- TrustLayer
- Portal access is part of implementation.
- DueFiles
- Vendors and brokers upload through a no-login link.
What proves additional insured status?
- TrustLayer
- Verification is delivered as a program.
- DueFiles
- The endorsement form. CG 20 10 and CG 20 37 are separate requirements.
What happens to an unreviewed file?
- TrustLayer
- The public sample does not show the review state.
- DueFiles
- It remains pending and grey. Green requires reviewer confirmation.
What is the reminder cadence?
- TrustLayer
- Configure the cadence after purchase.
- DueFiles
- Email at 60, 30, and 15 days, plus SMS at 7. Reminders stop when compliant.
Which vertical templates are available?
- TrustLayer
- Build templates during onboarding.
- DueFiles
- Property, HOA, venues, cleaning, fitness, franchise, rental, and staffing.
How is extraction priced?
- TrustLayer
- Included in the contract.
- DueFiles
- Included with every published plan.
Is there an audit trail?
- TrustLayer
- Enterprise reporting is part of the contract.
- DueFiles
- Hashed audit log and board-ready compliance export.
Can you inspect the product first?
- TrustLayer
- Schedule a demo.
- DueFiles
- Open the Harborstone sample at /demo or use the free homepage COI checker.
Your team owns the pass
DueFiles extracts certificate fields and assigns confidence scores. A broker's ADDL INSD checkbox does not turn a vendor green. Your reviewer confirms the packet, so the decision stays with the operator.
Named forms, not a status label
CG 20 10 covers ongoing operations. CG 20 37 covers completed operations. CG 24 04 covers the GL waiver. WC 00 03 13 covers the workers' compensation waiver. DueFiles puts those forms in the requirement template and shows what failed.
A catalog you can price
Free covers up to 10 vendors. Starter is $39 per month, Pro is $99, and Business is $249. SSO, white-label, and managed review use a custom order form. You can inspect endorsement checks before procurement.
Questions that come up
- Does TrustLayer verify insurance?
- TrustLayer sells COI verification as an enterprise program. DueFiles verifies the same document category with named ISO forms, a grey-until-confirmed queue, and published pricing. Your team controls the pass.
- Why switch after a TrustLayer demo?
- The work still includes collection, endorsement checks, reminders, and audit records. DueFiles puts that work in a workspace you can open today, with pricing on the site and a clickable sample.
- Does DueFiles support larger rosters?
- Yes. Business covers up to 750 vendors. Multi-entity mapping, native integrations, SSO, and managed review are available through the order form. The published catalog gives established programs a clear starting point.
Run the program in DueFiles
Start free, or open Harborstone to see a pending vendor remain grey until the packet is confirmed.
More comparisons
vs illumend
DueFiles puts vendor insurance under your team's control with editable endorsement rules, a no-login portal, and published pricing.
vs myCOI
DueFiles verifies endorsements instead of tracking dates alone, preserves an audit trail, and publishes a catalog you can start from.
vs COI Tracker
DueFiles combines collection, endorsement verification, reminders, review control, and audit records in one program.
vs COISoftware
DueFiles reads, verifies, collects, and chases. Vendors and brokers upload through a no-login portal.
vs TrackMyVendor
DueFiles focuses the workflow on insurance requirements, named forms, portal collection, review, and reminders.
vs COISimple
DueFiles prices vendor scale, while extraction and endorsement verification remain part of the program rather than a separate meter.
vs Certificial
DueFiles verifies the packet in front of you with named endorsements, portal collection, reminders, and published pricing.