Is there hidden risk in your COI review process?
Returning myCOI user?
Tell us a little about your team and your trade partners, then pick a time that works. We'll show you how Lumie checks every COI before the crew shows up.
Lumie guides your trade partners in plain language, so they know what's next and get back to the work they do best.
Clear checklist in terms that your trade partners actually understand.
Document examples, so you get the right docs the first time.
Lumie's analysis checks every certificate against your contract, so gaps get caught before the crew shows up.
Answers in English or Spanish. Your subs pick the language, and Lumie answers in it. No more email ping-pong about what's missing.
Follow-up handled. Lumie follows up with trade partners and their brokers until every gap closes.
See compliance across every project and benchmark trade partners side by side.
See risk insights at a glance and spotlight any exposure.
Get clear analysis of rejection reasons and insurance coverage gaps, so you can make informed decisions.
The founder behind myCOI built illumend, a new AI‑native compliance platform. It brings 16 years of insurance expertise to the construction industry, changing how teams manage certificates and track compliance.
Margins safeguarded from costly insurance risks
Liability reduced from insurance coverage gaps
Teams focused on progress, not manual data entry or paperwork
Delays, paper chaos and strained partnerships don't build projects. illumend clears the mess, so compliance stops dragging and Lumie keeps every project moving.
illumend connects to Procore, Viewpoint Vista and CMiC, so compliance status lives where your project and accounting teams already work.
illumend turns compliance from paperwork into progress, fueling every construction company and risk manager forward.
illumend is AI-powered COI tracking and insurance compliance software for construction. Its AI expert, Lumie, checks each subcontractor's certificate of insurance against your contract requirements and flags missing coverage before work starts. Trade partners get a plain-language checklist of what to fix, and your team sees compliance across every project in one place.
Lumie, illumend's AI expert, tells subcontractors exactly what's missing in plain language. Subs upload their COI once. Lumie shows document examples, answers questions in English or Spanish, and follows up with the sub and their broker until every gap closes.
Manual COI tracking misses gaps and stalls projects. illumend reviews every certificate against your contract, follows up with trade partners and their brokers for what's missing, and shows compliance status across every project. Your team handles the exceptions instead of every document, without adding a full-time compliance hire.
Yes. illumend integrates with Procore, Viewpoint Vista and CMiC. Subcontractors and projects sync from your system, Lumie reviews each certificate, and compliance status writes back to the records your project and accounting teams already use.
A certificate of insurance (COI) is a one-page summary of a subcontractor's insurance: coverage types, policy limits, policy dates and who is named as additional insured. It shows the coverage in force on the day it was issued. General contractors collect COIs to confirm subs meet contract requirements before work starts.
General contractors use a COI to confirm a subcontractor carries the insurance the contract requires before work starts. It also documents that coverage if a claim comes later. Owners and lenders often ask for it, and many contractors make a compliant COI a condition of site access and payment.
In project management, a COI is a pre-work checkpoint, like a permit: no compliant certificate, no site access. Project managers collect and check a COI from every subcontractor before mobilization. illumend shows each sub's compliance status by project, so PMs know who is cleared before the crew shows up.
COI tracking software collects certificates from subcontractors, checks coverage against your requirements and tracks expiration dates. In illumend, trade partners upload once, and Lumie, illumend's AI expert, reads each certificate against the contract and flags every gap. illumend then requests renewals before policies lapse. See how certificate of insurance tracking works.
Without a current, compliant COI, a claim involving an underinsured subcontractor can become your company's liability. Most construction contracts also require proof that every sub keeps specific coverage for the whole project. Tracking catches lapsed policies, low limits and missing additional insured status before they turn into uncovered claims.
A certificate of insurance is free. The subcontractor's insurance agent issues it at no charge. The real cost is the staff time spent collecting, reviewing and chasing certificates by hand. Estimate that cost with the illumend ROI Calculator.
Most construction contracts require four coverages: general liability, workers' compensation, commercial auto and umbrella or excess liability. Common minimums are $1–2 million per occurrence for general liability, statutory limits for workers' comp, $1 million for auto and $1–5 million for umbrella. Your company should also be named as additional insured on the general liability and umbrella policies.
Check five things on the certificate: every required coverage type, limits that meet the contract, your company as additional insured, policy dates that cover the project, and a named insured that matches the subcontract. A COI only shows coverage on the day it was issued, so recheck at renewal.
When a subcontractor's policy expires, their coverage for your project stops. Most contracts bar them from working until they provide a renewed certificate, and a claim during the lapse can fall on your company. illumend tracks every expiration date and asks trade partners and their brokers for renewals before coverage lapses.
Look for software that checks certificates against your actual contract requirements, not just expiration dates. It should follow up with subs and their brokers for you, track renewals, keep an audit trail, and connect to Procore, Vista or CMiC. For a side-by-side comparison, see the best COI tracking software for 2027.
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