COI compliance software for retail chains, franchises, and multi-location operators.
Managing insurance certificates across every location, contractor, and seasonal partner shouldn't be a full-time job.
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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+
compliance gaps caught
Three ways Lumie™ keeps your portfolio covered.
Compliance reviews in minutes by Lumie
Lumie learns your insurance requirements, scans every third-party partner's proof of coverage, and returns a compliance decision fast — not the days-long wait that stalls new store builds or on-site maintenance.
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See every location's compliance status at a glance
Filter by store, region, or district — and by vendor type. Contractors, delivery partners, food distributors, equipment service providers. Every third-party partner with access to your locations, visible in one place, always current.
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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Up and running in three simple steps.
See illumend in action. We'll show you how Lumie handles your specific retail insurance requirements — from opening a new location to upgrading your flagship.
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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.
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Six ways illumend keeps retail chains and franchises covered.
Lumie AI - instant COI review
Compliance decisions in under 15 minutes — not the days-long wait that stalls store renovations, delays contractor access, or holds up a new delivery partner onboarding.
Renewals on autopilot
Lumie tracks every expiration across your entire third-party network — contractors, distributors, drivers, equipment services — and sends renewal requests automatically.
One-click partner invites
No portals. No logins. Partners click a link and upload their COIs, and endorsements. Higher adoption, cleaner compliance.
Real-time dashboard
See compliance status across every location, filtered partner type. Every third party with access to your locations, visible in one place.
Proactive risk alerts
Insurance coverage gaps flagged before they become claims — whether it's an uninsured contractor on a renovation or a delivery driver incident in your drive-through lane.
Audit-ready snapshots
One-click reports across your full partner base: open gaps, activity logs, resolution history. When corporate or a franchiser asks for documentation, you're ready in minutes.
The old COI model is out of style.
Less chaos. Less exposure. More COIs worth celebrating.
Old Way
- Spreadsheets tracking 500+ COIs across locations
- 15–20 hours/week chasing renewals
- Week long waits for COI reviews at peak season
- Partners ignoring portal registration
- Discovering a lapsed policy after an incident
- Scrambling for audit documentation
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illumend Way
- Automated COI collection from every vendor, tenant, and contractor
- Instant compliance decisions during building upgrades, lease signings, and holiday surges.
- Real-time alerts the moment coverage lapses or falls short
- Full portfolio visibility with live audit trails in one clear view
- 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
Yes. You get location-level visibility across your entire retail footprint — filterable by store, region, partner category, or risk level. Perfect for district managers and internal audit preparation alike.
No. Partners receive a one-click link to upload their Certificate of Insurance (COI). If they can click a link and upload a file, they can achieve compliance. No new login to remember, no software portal to bookmark, no friction for your vendors.
Manual spreadsheet tracking typically results in 40–60% compliance and costs your team 15–20 hours a week. The illumend platform gets organizations to 90%+ compliance while cutting admin time by 80% — and eliminates the human errors that make spreadsheets a significant liability.
Common requirements include general liability, workers' compensation, commercial auto for delivery partners, and product liability for suppliers. Lumie learns your insurance requirements, make it easy to set coverage levels by partner category — no insurance expertise required.
Stop chasing COIs. Start running your business.
Every day without automated tracking is a day insurance coverage gaps go undetected.