Is AI-based COI review accurate?

Yes. Lumie checks the same fields, the same way, on every single COI. It doesn't miss things because it's rushed, distracted, or unfamiliar with endorsement language. Every review is documented, so you can see exactly what was checked, what passed, and what was flagged — giving you a defensible audit trail for every compliance decision.

Will I lose control of the compliance process?

No. Lumie works within the standards and requirements you define. You maintain full oversight, approval authority, and the ability to override any flag. Think of Lumie as the most consistent reviewer on your team — one who never skips a field and always documents their work. You remain the compliance authority, the decision-maker, and the owner of your process.

Is implementation difficult?

No. Most teams are up and running quickly without overhauling existing workflows. Onboarding requires a few pieces of information — logos, points of contact, and any COIs or endorsements already on file. There's no complex IT infrastructure required and no months-long deployment process.

Will contractors and third-party partners actually use it?

Yes. Lumie was designed for people who aren't insurance experts. In plain language, Lumie asks partners for the documents they need, provides an upload location, and shows examples of what's missing if there are gaps. Partners won't have to decode vague rejection emails or go back to their broker twice. The process is clear and frictionless, which drives higher submission rates.

What does illumend actually do for a compliance analyst day to day?

illumend handles the repetitive, time-consuming parts of COI review — reading certificates, checking coverage limits, verifying endorsements, flagging gaps, sending follow-ups, and monitoring renewals — so compliance analysts can focus on decisions that require human judgment. Teams using illumend typically cut COI review time by 50% or more, eliminate repetitive contractor emails, stay ahead of renewals, and enter audits fully prepared with documented records already organized.

How does illumend handle endorsement verification?

Lumie analyzes all endorsements on every uploaded COI — including additional insured status and waiver of subrogation — and flags anything that doesn't match your requirements. Missing or incorrect endorsements are surfaced immediately, and partners receive plain-language guidance on what needs to be corrected and how. This eliminates the back-and-forth that typically accompanies endorsement disputes.

How does illumend support audit readiness?

Every compliance review in illumend is documented with a full decision log — what was checked, what passed, what was flagged, and what action was taken. Audit-ready records are available 24/7/365 without any manual compilation. When leadership asks for a compliance status update or an audit requires documentation, the records are already organized and immediately accessible.

Automate vendor insurance compliance with AI-powered software

Shine a light on hidden compliance risks in your workflow — then see how illumend eliminates them.

‍

Trusted by companies across the USA

You Were Given the Responsibility, Not the Training.

Most people didn’t dream of becoming an insurance compliance reviewer when they grew up.

‍But here you are.

And you’re expected to:

Interpret complex insurance coverage jargon (sigh)

Verify additional insured and waiver endorsements match agreements (wut?)

Track expiration dates (again?)

Answer status questions instantly (ugh)

You’re left carrying the weight of “what if I miss something” every single day.

Spreadsheets and email threads weren’t built for this. Neither were you. And that’s okay. We got you.

Meet Lumie™ — The AI That Reviews COIs So You Don’t Have To

When third-party partners upload a COI, Lumie gets to work — reading the documents, checking every field against your requirements, and flagging anything that doesn’t meet your standard.

The same review. Applied consistently. Every single time.

Coverage limits, endorsements, expiration dates, all checked in seconds
 
All endorsements analyzed, including additional insured and waiver of subrogation 
‍
Anything missing is flagged, so partners  and vendors know what to do next 
‍
Upcoming renewals automatically monitored, no more calendar reminders 
‍
Vendors guided through corrections, reducing email back-and-forth 
‍
Every compliance review documented,  for audit-ready records

How it works

You upload a contract

Lumie extracts requirements & requests docs

Partner uploads documents

Lumie makes compliance decision

Lumie handles renewals

Lumie works for you, not instead of you.

Lumie ensures every review is consistent and documented, so you operate with clarity instead of anxiety.

With Lumie at your side, you are:

The Compliance Authority

In the collaborative risk tool for you and your partners

The Decision-Maker

You approve, override, and set the standards.

The Owner of Your Process

With documentation to prove it.

Lumie will proactively collect COIs, and follow up until compliance is achieved

illumend real estate industry software icon

Why customers love Lumie™

Instant AI review on every COI uploaded
‍
Automated renewal monitoring with advance alerts
‍
Real-time compliance results across all vendors
‍
Audit-ready reporting, 24/7/365
‍
Clear answers in minutes, not days

What this means for you? Less chaos. Less risk exposure.

More time doing the things you actually want to be doing.

Why teams use illumend to monitor insurance compliance

This isn’t automation for automation’s sake. It’s the infrastructure that lets you do a job you were never formally trained for, now with confidence and ease.

Teams using illumend typically:

Cut COI review time by 50% or more
‍
Eliminate repetitive contractor emails 
‍
Prevent compliance problems
‍
Stay ahead of renewals 
‍
Enter audits prepared 
‍
Answer leadership questions instantly

FAQ

Yes. Lumie checks the same fields, the same way, on every single COI. It doesn't miss things because it's rushed, distracted, or unfamiliar with endorsement language. And every review is documented, so you can see exactly what was checked.

No. Lumie works within the standards and requirements you define. You maintain full oversight,approval authority, and the ability to override any flag. Think of it as the most consistent reviewer on your team, one who never skips a field and always documents their work.

No. Most teams are up and running quickly without overhauling existing workflows. We just need a few pieces of info to personalize your onboarding. Eg logos, points of contact, and any COIs or endorsements if you have them on file.

Yes. Lumie was designed for people who aren’t insurance experts. In plain language, Lumie asks them for documents, provides an upload place, and shows them examples of what’s missing if applicable. Contractors won’t have to decode vague rejection emails or go back to their broker twice when you are part of the illumend community.

You Don’t Have to Manage Compliance Alone Anymore.

See how your current process stacks up and how Lumie strengthens it.