Get COIs Off Your Plate: Why Smart Teams Outsource Compliance Busywork
The Job Nobody Wants (But Everyone Gets Stuck With)
Whether you’re a two-person finance department or a 20-person risk team inside a Fortune 500, one truth holds: nobody got into their career to chase certificates of insurance.
But here you are.
Instead of focusing on budgets, forecasting, or strategy, your inbox is clogged with vendor emails, expired policies, and endless PDF attachments. You’re left playing traffic cop for something that’s both low-value and high-stakes.
The kicker? It doesn’t matter if you’re a lean admin crew or a large enterprise team. The pain is the same. Some organizations throw more people at the problem, others just absorb the chaos—but in both cases, the work is pure distraction.
The Three Pain Points of COIs (When You Just Want It Done)
Pain Point #1: It’s a Distraction From High-Value Work
COIs don’t move the business forward. They don’t generate revenue. They don’t make clients happier. But they eat time. Hours and hours of it.
For smaller teams, it’s a constant interruption. For larger teams, it’s a giant opportunity cost—imagine what your risk analysts could do if they weren’t buried in renewal reminders.
Translation: Every minute spent babysitting certificates is a minute stolen from work that actually matters.
How TrustLayer helps:
- Vendors upload directly into the platform.
- Automated reminders keep renewals moving.
- With TrustLayer+, our managed services team takes over vendor outreach, document review, and follow-ups. Your people never touch the busywork.
Pain Point #2: The Time Sink is Never-Ending
One COI review might take 15 minutes. But multiply that across hundreds—or thousands—of vendors, plus annual renewals, and you’re losing weeks (or even months) of productivity each year.
And it’s not just the volume—it’s the rhythm. The work hits in waves. Renewal season floods your inbox whether you’re a 3-person shop or a 30-person department.
Translation: You can’t plan your time, because compliance work doesn’t care about your calendar.
How TrustLayer helps:
- Automated tracking flags expiring policies 60 days in advance.
- Vendors get pinged without you lifting a finger.
- With TrustLayer+, the surge is absorbed by our managed service. Whether it’s 50 vendors or 5,000, your team doesn’t feel the spike.
Pain Point #3: The Risk of Missing Something
The fear is universal. Because even if COIs are tedious, the consequences of getting it wrong are massive.
Industry data shows 73% of certificates contain errors or gaps. Miss one of those, and your organization could be on the hook for a lawsuit, accident, or contract dispute.
Small teams worry they don’t have the expertise. Large teams worry about human error and sheer scale. Either way, the stress is the same: “If we miss something, we pay for it.”
Translation: No one wants to carry liability for paperwork they can’t fully control.
How TrustLayer helps:
- Automated validation checks every document.
- Exceptions are flagged instantly.
- With TrustLayer+, licensed insurance professionals review the gray areas. You’re not left second-guessing coverage.
What “Good” Looks Like for Any Team
Whether you’re lean and scrappy or well-staffed, here’s what a modern COI process delivers:
- Vendors upload directly—no chasing attachments.
- Automated reminders keep renewals on track.
- Exceptions are flagged instantly—no manual scanning.
- With TrustLayer+, a managed services team handles the vendor chase, the broker back-and-forth, and the exception review.
The outcome? You log in, see who’s compliant, and get back to your real work.
TrustLayer+: Why Even Big Teams Hand This Off
It’s not just small companies that outsource COIs. Big teams do it too—because even if you’ve got the headcount, you don’t want your smartest people stuck in email chains and spreadsheets.
TrustLayer+ adds a layer of human expertise on top of the platform:
- Real people handle the vendor outreach.
- Insurance pros review exceptions.
- Your team sees a clean dashboard instead of an overflowing inbox.
For some organizations, that means they finally get COIs off a small admin’s plate. For others, it means their entire risk department is freed up to actually focus on risk strategy instead of vendor paperwork.
Either way, the message is the same: stop wasting talent on tasks a system and a service can handle better.
The Final Word
For smaller teams, COIs are a constant drain. For larger teams, they’re an enormous distraction. In both cases, the work adds little value but carries big risk.
TrustLayer automates the process. TrustLayer+ takes it off your plate entirely.
- No more chasing vendors.
- No more manual reviews.
- No more wondering if you missed something.
Your job is to keep the business running—not to play insurance clerk.
Ready to get compliance off your team’s desk for good? See how TrustLayer+ turns third-party risk from an admin burden into a solved problem.
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