COI compliance software for real estate operators, property, and asset managers.
Managing insurance certificates across every property, tenant, and contractor shouldn't be a full-time job.
Trusted by companies across the USA
Built by the creators of myCOI, with 16 years of managed insurance compliance experience. We know the work, so we built AI to do it continuously for you.
45M+
documents reviewed
1.2M+
agreements managed
750K+
third-party partners cleared
2M+
gaps compliance caught
Three ways Lumie™ keeps your portfolio covered.
Compliance reviews in minutes by Lumie
Lumie learns your insurance requirements, scans every partner and vendor's proof of coverage, and assigns a compliance score in minutes — not days. Everyone is notified in real time the moment a decision is made.
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Get real-time status reports by location
Curious how your northeast properties are doing? Quickly use a filter to get an update you can screenshot in your next meeting.
Customize comms with your branding
Lumie reaches your third-parties directly — under your brand, not ours. They can't claim they didn't get the message. You get full activity logs showing who opened, clicked, or went quiet.
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Nobody prepared you for this, but we can.
See illumend in action with your actual vendor data. We'll walk through how Lumie™ handles your specific retail compliance requirements — from tenant COIs to on-site vendors. 30 minutes,zero pressure.
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Upload existing certificates or have Lumie send one-click invites to your tenants, contractors, and vendors. No portals, no logins. Step by step AI guidance for all.
Lumie monitors every certificate across every property, chases renewals automatically, and flags gaps before they surface in a claim. Every tenant. Every contractor. Every deal.
Six ways illumend keeps your portfolio protected.
Lumie AI - instant COI review
Every uploaded COI gets a compliance decision in less than 15 minutes, not the days-long wait that stalls lease signings and deal closings.
Renewals on autopilot
Lumie tracks every expiration across your tenant and contractor base and sends renewal requests automatically. No more lapsed policies slipping through the cracks.
One-click partner invites
No portals. No logins. Tenants, contractors, and vendors click a link and upload their COI. Higher adoption means cleaner compliance across your portfolio.
Portfolio-wide dashboard
See compliance status across every property, every tenant, every contractor all in one place. Filter by asset, partner category, or risk level. Built for multi-site visibility.
Proactive gap alerts
Coverage gaps and missing endorsements flagged before they become claims. In commercial real estate, an unverified contractor on-site isn't a paperwork issue, it's a liability.
Audit-ready snapshots
One-click reports: open gaps, third-party partner activity, resolution history. When due diligence or an investor review calls for documentation, you have it immediately.
We gave the outdated COI model a renovation.
Less chaos. Less exposure. More COIs worth celebrating.
Old Way
- Certificates living in email inboxes and shared drives
- Lease signings stalled by missing tenant documentation
- Coverage gaps discovered only during a claim
- Manual follow-up consuming hours your team doesn't have
- No unified view across properties, third-party partners, or locations
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illumend Way
- Automated COI collection from every vendor, tenant, and contractor
- Verification in minutes, so lease signings and move-ins stay on track
- Real-time alerts the moment coverage lapses or falls short
- Full portfolio visibility in one place, always current
- Built on 16 years of compliance expertise, no insurance degree required
Try illumend risk-free.
Love it — or your money back, no questions asked.
FAQ
A certificate of insurance (COI) is a document that confirms a vendor, contractor, or tenant carries the insurance coverage your agreement requires. In real estate, it's what protects your organization if someone working with or on your property causes damage, an injury, or a loss. If coverage isn't verified and current, your liability exposure grows, until a claim makes it visible.
illumend automates the collection, review, and ongoing monitoring of certificates across your entire vendor and tenant base, with the speed and scale of AI built in, so you're not manually requesting, checking, or tracking anything. When coverage lapses or doesn't meet your requirements, you'll know immediately.
Yes. Whether you're managing residential communities, commercial office portfolios, mixed-use developments, or REITs, illumend centralizes insurance compliance in one place across every property type, every vendor category, and every requirement structure.
Stop managing insurance certificates. Start managing your portfolio.
See how your current process stacks up — and how Lumie™ strengthens it.