All AI Policy & Endorsement Audit ComparisonsNo $3,000 Annual Contract • Audits Full Carrier PDFs, COIs & Endorsements Directly

Best Enterprise COI Software Alternative for CFOs, GCs & Property Owners ($19 No Contract)

Enterprise COI platforms like Jones, TrustLayer, and myCOI lock you into $3,000–$15,000+ annual contracts just to track 1-page ACORD 25 certificates. ExclusionRadar is built for CFOs, General Contractors, commercial landlords, and brokers who want instant PDF + Word (.docx) policy binder, COI, and ISO endorsement auditing for $19 on demand—with zero annual contracts and zero sales calls.

Quick 30-Second Verdict: Jones / TrustLayer ($3k/yr) vs. ExclusionRadar.com (2026)

When to Choose Jones / TrustLayer ($3k/yr) (~$3,000–$15,000+/year subscription):

You are an enterprise compliance department looking to pay $3,000–$15,000+/year for an automated email portal to chase recurring ACORD 25 renewal dates across hundreds of subcontractors.

When to Choose ExclusionRadar.com ($19 One-Time / $0 Free Preview):

You are a founder, CFO, broker, General Contractor, or property owner who wants an instant Enterprise COI Software alternative with native Word Track-Changes (.docx), direct PDF binder & COI ingestion, and 110 coverage playbooks for a $19 one-time pass ($0 subscription).

Capability / Requirement	ExclusionRadar (EndorseIQ™)	Jones, TrustLayer & Enterprise COI Software ($3,000+/yr)
Pricing & Commitment	$0 Free Preview • $19 Single / $29 Deal Pass / $59 5-Pack (Zero Subscription)	~$3,000–$15,000+/year subscription (12-month contract & demo required)
Turnaround Speed	60 Seconds (Instant Self-Serve Browser Scan)	Requires scheduling a B2B sales demo, annual contract signing & portal setup
Privacy & Data Retention	100% Anonymous • Volatile RAM Only • Zero Account Signup	Account-based vendor portal storing company certificates in a cloud database
Native Word Track-Changes (.docx)	1-Click Native .docx (`<w:del>`, `<w:ins>` & Margin Comments) + Endorsement Rider	Surface COI status flags only; does not generate native Word Track-Changes (.docx) endorsement schedules
Multi-Hop ISO Endorsement Graph & Round-2 Pushback Mode	Included (Soft, Standard & Hardball Postures + V2 Pushback Re-Audit)	Not included out-of-the-box

Why Pay $3,000+/Year for a Surface COI Tracker When Real Exclusions Hide Inside the Policy Binder?

Surface COI software checks whether an ACORD 25 certificate lists a "$1M/$2M" limit—while missing the ISO CG 21 39, CG 22 94, Action-Over, or CG 40 47 Generative AI exclusions attached inside the actual 60-page PDF binder. ExclusionRadar ingests both multi-page carrier PDFs, COIs, and .docx files directly in your browser in 60 seconds and exports a native Word Track-Changes (.docx) endorsement modification schedule.

Exclusion Trap & Jones / TrustLayer ($3k/yr) Blindspot

“ENDORSEMENT CG 40 47 12 23 (EXCLUSION – GENERATIVE ARTIFICIAL INTELLIGENCE): This insurance does not apply to "bodily injury", "property damage", or "personal and advertising injury" arising out of the actual or alleged use, deployment, or output of any Generative AI system or large language model.”

What Jones / TrustLayer ($3k/yr) does: Requires booking an enterprise sales demo, signing a 12-month subscription agreement, and still misses back-page manuscript exclusions.

What EndorseIQ™ Catches & Drafts

Immediate Self-Serve Detection ($0 Free Preview): Detects ISO CG 40 47 / CG 40 48 Generative AI exclusions, CG 20 10 / 20 37 gaps, and CG 22 94 deletions inside your PDF binder and drafts Soft, Market-Standard, and Hardball carve-back endorsements plus a downloadable Word Track-Changes (.docx) schedule.

“Remove ISO Endorsement CG 40 47 (or attach an Affirmative AI-Assisted Professional Services Carve-Back) confirming that the use of machine learning or LLM copilot tools in the ordinary course of Insured’s software or agency operations shall not exclude otherwise covered E&O or GL claims.”

Test EndorseIQ™ Live Right Now (Zero Signup Required)

Scan Your Policy or Binder Free & Compare the Output Yourself

Available Credits: 0

EndorseIQ™ Policy & Binder Scanner

ACTIVE ENGINE: ENDORSEIQ™ (MULTI-HOP ISO & COVERAGE GRAPH)

1. Select Policy / COI Playbook & Protected RoleAuto-Tailored to Your Protected RoleCyber, Tech E&O & AI Exclusions • Protecting: SaaS Founders, CTOs & Tech Agencies

2. Input Your Document (PDF, Word .docx, Scanned Image, or Text)

Upload PDF / Word (.docx)

Drop PDF / .DOCX anywhere, or press Cmd+V / Ctrl+V to paste policy, COI, or endorsement text

Cmd+V/Ctrl+V

CYBER LIABILITY, TECH E&O & GENERATIVE AI EXCLUSION BINDER (2026 EDITION)

THIS TECHNOLOGY ERRORS & OMISSIONS AND CYBER ENTERPRISE BINDER ("Policy") is issued by CYBERSHIELD UNDERWRITERS AT LLOYD'S ("Carrier") to CLOUDSCALE AI TECHNOLOGIES INC. ("Insured") with a stated Aggregate Policy Limit of $2,000,000.

SECTION 1. ENDORSEMENT ISO CG 40 47 / MANUSCRIPT GENERATIVE ARTIFICIAL INTELLIGENCE EXCLUSION.
This Policy is amended by Generative Artificial Intelligence Exclusion Endorsement CG 40 47 (01/26) and Tech E&O Manuscript Endorsement AI-01. Carrier shall not be liable to make any payment for Loss or Defense Costs in connection with any Claim alleging, arising out of, based upon, or attributable to: (a) the actual or alleged use, integration, deployment, training, or prompting of any Generative Artificial Intelligence, Large Language Model (LLM), foundation model, autonomous agent, or machine learning algorithm; (b) any software code, output, recommendation, or hallucination generated in whole or in part by Artificial Intelligence; or (c) any allegation of copyright, training-data, or dataset infringement.

SECTION 2. CYBER EXTORTION, RANSOMWARE & SOCIAL ENGINEERING SUB-LIMIT SCHEDULE.
Notwithstanding the $2,000,000 Aggregate Policy Limit shown on the Declarations, Carrier's maximum aggregate liability under this Policy shall be strictly sub-limited as follows: (a) Cyber Extortion and Ransomware Payments: $25,000 maximum sub-limit; (b) Social Engineering, Phishing, Business Email Compromise (BEC), and Fraudulent Wire / Invoice Manipulation: $25,000 maximum sub-limit; and (c) Contingent Business Interruption from a third-party cloud provider (AWS/Azure/GCP) outage: $0 (Excluded).

SECTION VIII.C. DEFENSE, SETTLEMENT AND 80/20 "HAMMER CLAUSE" CO-INSURANCE PENALTY.
Carrier shall have the right to recommend settlement of any Claim as Carrier deems expedient. If Insured refuses orwithholds consent to any settlement recommended by Carrier and elects to continue contesting the Claim, Carrier's liability for all future Loss and Defense Costs shall not exceed the amount for which the Claim could have been settled plus eighty percent (80%) of Defense Costs incurred before the date of refusal, and Insured shall personally pay eighty percent (80%) of all subsequent Defense Costs and 80% of any judgment or settlement in excess of the recommended amount ("80/20 Hammer Clause").

SECTION X.A. UNENCRYPTED DEVICE & MINIMUM SECURITY CONTROLS WARRANTY ("FAILURE TO MAINTAIN").
As a strict warranty and condition precedent to coverage, Insured warrants that 100% of endpoints, laptops, cloud buckets, and backups are protected by hardware encryption, phishing-resistant MFA, EDR, and that all critical CVE security patches are installed within seventy-two (72) hours of vendor release. Any failure to maintain these controls across every device or server at the moment of a Security Incident shall retroactively void coverage for the entire Claim.

SECTION XII. BREACH RESPONSE, FORENSICS & DEFENSE COSTS INSIDE THE LIMITS (ERODING POLICY).
All First-Party Breach Response expenses, IT digital forensics, ransom negotiation fees, legal notification costs, credit monitoring, and Third-Party Defense Costs are "Inside the Limits" and shall reduce and erode the $2,000,000 Aggregate Policy Limit dollar-for-dollar prior to the payment of any third-party indemnity, regulatory fine, or customer SLA/DPA settlement.

100% Stateless & Private • Replaces a $1,500 – $4,500 Coverage Review attorney review

Frequently Asked Questions: ExclusionRadar vs. Jones / TrustLayer ($3k/yr)

What is the best self-serve COI and policy audit alternative that doesn’t require an annual subscription?

ExclusionRadar.com requires zero annual subscription, zero sales demo, and zero account login—offering a free diagnostic preview and a one-time $19 Single Policy Pass ($29 Full Deal Pass or $59 5-Policy Pro Pack).

Can ExclusionRadar audit a non-editable PDF insurance binder or COI and still export Microsoft Word Track Changes (.docx)?

Yes! Even when an insurance carrier or broker sends a locked PDF binder or COI package, ExclusionRadar parses the PDF in memory and generates both a native OpenXML Microsoft Word Track-Changes (.docx) schedule and a ready-to-sign Endorsement Modification Rider (.doc).

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