How Processing 400,000 COIs a Month Is Changing Insurance Fraud Detection
San Francisco,, United States – April 30, 2026 / TrustLayer /
San Francisco, CA – Risk management practices are evolving as TrustLayer continues to expand its AI-driven fraud detection capabilities. Processing more than 400,000 Certificates of Insurance (COIs) every month, the TrustLayer platform draws on a database of millions of compliance documents to identify sophisticated patterns of insurance fraud that frequently go undetected through manual review.
Verifying compliance documents has historically been a slow, labor-intensive process vulnerable to human error. Sophisticated forgeries – including tampered PDFs and falsified carrier signatures – often bypass human reviewers, leaving organizations exposed to significant third-party risk. TrustLayer’s AI-enhanced technology addresses this gap by assigning confidence scores to every document and flagging anomalies that indicate alteration or fabrication.
Smarter Risk Management Through Scale
TrustLayer’s network of nearly 300,000 companies provides the data foundation required for high-velocity machine learning. The platform learns continuously from the 400,000+ COIs processed each month, evaluating each document against client-specific standards and industry benchmarks. This allows the system to improve with every interaction, developing from a basic tracking tool into a proactive compliance resource that reduces uncertainty in vendor onboarding.
Modern risk management demands an approach that moves beyond outdated manual processes. TrustLayer’s direction focuses on replacing conventional best practices with more advanced methods, using data-driven techniques to detect emerging fraud trends before they affect an organization’s financial exposure. For industries such as construction, real estate, and retail, this level of automation provides a meaningful layer of protection during document preparation and litigation stages.
Automation That Powers Collaboration
TrustLayer is designed for collaboration across the full risk transfer chain – including insurers, brokers, enterprises, and subcontractors. The platform automates the correspondence, collection, and storage of compliance documents, ensuring that project managers and risk leaders are not left managing expired or potentially fraudulent paperwork.
The system simplifies the experience for all stakeholders:
- For Enterprises: Clear, actionable insights and automated workflows deliver full visibility into third-party risk.
- For Subcontractors: A streamlined, no-sign-in-required experience ensures that compliance does not create unnecessary administrative burden.
- For Brokers: Instant document linking and error flagging support faster verification and more reliable partnerships.
Uncovering Gaps in Real Time
TrustLayer’s AI technologies meaningfully improve the ability to automate insurance verification across multiple industries. The platform reads each COI, identifies coverage gaps, and alerts users to errors before those issues become costly liabilities. This gives risk managers and their broader teams the shared visibility needed to operate within a secure, transparent environment.
TrustLayer’s ongoing development continues to prioritize AI capabilities that simplify vendor onboarding and COI tracking, providing organizations with the tools needed to validate compliance quickly and with greater confidence.
For more information, visit trustlayer.io.
About TrustLayer
TrustLayer is a collaborative risk management platform that helps businesses automate the verification of insurance, licenses, and other compliance documents. By leveraging advanced AI and a broad network of brokers and carriers, TrustLayer provides real-time visibility into third-party risk, protecting organizations from uninsured claims and fraudulent activity.
Contact Information:
TrustLayer
2021 Fillmore Street, Suite 1069
San Francisco,, California 94115
United States
Don Halliwell
+1(415) 358-1199
https://www.trustlayer.io
