COI tracking software

Certificate of Insurance Tracking, Automated

Lumie, your AI expert for insurance compliance, reads every certificate and endorsement, flags what's missing, and follows up until you're covered.
The problem

Tracking certificates of insurance by hand gets harder with every new partner.

1
Email chains that never end
Chasing a current certificate means re‑sending the same request every renewal, to everyone, forever.
2
Spreadsheets that fall out of date
The moment a COI expires, the tracker is wrong, and nobody notices until it matters.
3
Gaps that surface during a claim or audit
Missing endorsements and lapsed coverage are easy to miss by hand. Lumie catches them before a claim does.
How it works

From weeks of chasing COIs to reviews done in minutes

Step 01
Request or upload a COI
Send a request to a third-party partner, or drop in a certificate you already have.
Step 02
Lumie reviews it in minutes
Checking coverage limits, endorsements and expiration dates against your requirements.
Step 03
Lumie follows up until it's fixed
Lumie requests what's missing from your partner and their broker. Lumie makes the call. Your team signs off.
Built for construction

Track every subcontractor's coverage, across every active project.

750K+
third-party partners cleared
2M+
coverage gaps flagged before claims
45M+
documents reviewed

Projects don't stop moving while you wait on a certificate. Lumie keeps every trade partner's coverage current without slowing down the job.

See illumend for construction

Frequently asked questions.

What is certificate of insurance tracking?

Certificate of insurance tracking is collecting COIs from your third-party partners, checking each one against your insurance requirements, and following up before coverage lapses. illumend automates the reading, the checking and the follow-up.

How does illumend automate COI tracking?

Lumie reads every certificate and its endorsements, checks limits, endorsements and expiration dates against your requirements, then requests what's missing from the partner and their broker until the gap closes. Lumie makes the call. Your team signs off.

Does illumend check endorsements, or just the certificate?

Both. Lumie reads the endorsements behind each certificate, such as additional insured, waiver of subrogation and primary and non-contributory, because the certificate alone doesn't prove the coverage applies to you.

How is COI tracking software different from a spreadsheet?

A spreadsheet records what someone typed in. COI tracking software reads the documents, checks them against your requirements, and follows up on its own, so expirations and missing endorsements don't depend on someone noticing.

Does illumend integrate with Procore, Yardi, CMiC and Viewpoint Vista?

Yes. illumend connects to Procore, Yardi Voyager, CMiC and Viewpoint Vista, so compliance status shows up where your team already works. Integrations are added to your plan separately.

SEE IT IN ACTION

See your COI backlog disappear

See how Lumie handles your certificates, your requirements and your follow-ups.
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