illumend is the AI-native insurance compliance platform from myCOI, built on 16 years of compliance expertise and now powered by AI. illumend helps teams track certificates of insurance, confirm coverage against their own requirements, and clear third-party partners in one guided workflow. If you knew myCOI or landed here from mycoitracking.com, you're in the right place. Everything you counted on is still here, just AI-guided, faster, and decided in real time.

Lumie is the AI engine inside illumend. Lumie reviews incoming certificates and endorsements, checks coverage against your contract or lease requirements, flags gaps before they turn into claims, and keeps renewals moving automatically. It's how illumend turns a pile of documents into a clear, current picture of who's compliant and who isn't. Lumie converses, answers questions, and explains outcomes for both you and your third-party partners.

Lumie reviews 100% of your COIs and endorsements automatically, and there's no queue of documents waiting on a person. Lumie makes each decision itself and raises its hand only on the rare item it can't resolve, where a reviewer can step in or change the call. If your team wants more human oversight built in, talk to our team about adding it to your subscription package.

Yes. Lumie doesn't just scan documents, it verifies the actual coverage against your specific contract or lease requirements, so the right limits, endorsements, and dates get checked every time. And because Lumie reviews everything with consistent rigor, you're not relying on whoever happened to open the email that day. When you use illumend, you're also working with a team of experts who help you audit your existing workflow and insurance requirements to set up your illumend account for success.

Most COI tools still route every document to a person to review, so you're really just managing a queue. illumend reviews third-party insurance coverage automatically, surfacing only the exceptions that actually need a human to make a decision about your business. You get faster answers, consistent decisions, and a live view of compliance instead of a growing backlog. illumend's workflow is designed for third-party partners who aren’t insurance experts (and don’t want to be). When the process is built around the person who needs to provide the documents, and Lumie helps both them and you, compliance is achieved in one continuous workflow.

illumend works for any team responsible for third-party partner insurance compliance, including the construction, commercial real estate, retail, utilities, government, manufacturing, and transportation industries. If you're tracking certificates of insurance from contractors, tenants, suppliers, or partners, illumend keeps that coverage current.

illumend empowers teams to cut admin time by up to 87% vs. a manual process, and reclaim the hours lost to reading certificates, chasing missing documents, and prepping for audits. The bigger return is risk caught early: every coverage gap illumend flags before a claim is a loss you don't absorb. Compliance becomes a source of clarity and confidence, not cost. Teams find that when their highly-valued employees are removed from mundane and manual tasks, they can get back to what they were hired to do.