COI compliance software for municipalities and government agencies
Managing contractor insurance compliance across every department, project, and procurement cycle shouldn't require a full-time headcount.
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Trusted by companies across the USA
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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 AI keeps your agency covered.
Automated compliance decisions before work begins
Lumie reviews every contractor's certificate against your agency's requirements and returns a compliance decision in minutes, before anyone accesses a public facility or job site. No more assuming coverage is in place — every decision is logged, timestamped, and documented automatically.
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Centralized department and project-level visibility
Need to know which contractors are non-compliant across your public works and parks departments before a quarterly review? Filter by department, project type, or risk level and get a clear picture in seconds — no spreadsheet audit, no inbox search.
Built-in audit trail for every interaction
Lumie logs every certificate submission, renewal reminder, gap alert, and contractor response automatically. FOIA requests, board reviews, and procurement audits don't require scrambling — the complete documentation is already there, ready for export.
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From the first demo to intelligent insurance compliance in three simple steps.
See Lumie handle your specific contractor insurance requirements. 30 minutes. Zero pressure.
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Upload existing certificates or send one-click invites to your contractors and service providers. No portals, no logins.
illumend monitors every certificate across every facility and field site, chases renewals automatically, and flags gaps before a non-compliant contractor steps on-site. Every contractor. Every location. Every agreement.
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Everything your agency needs to control contractor risk.
Lumie AI - Instant COI review
Every uploaded certificate of insurance (COI) gets a compliance decision in minutes. Government agencies can't afford days-long review cycles before a contractor breaks ground on a public project.
Renewals on autopilot
Lumie tracks every policy expiration across your contractor base and sends renewal requests automatically. Lapsed policies never slip through between procurement cycles.
One-click contractor invites
Contractors simply click a link and upload their COI – with simple plain-language compliance resolution steps. Higher adoption means fewer compliance gaps on public projects and fewer delays.
Department-level dashboard
See compliance status across every department, project, and facility in one place. Filter by contract type, contractor category, or risk level. Built for multi-department government visibility.
Proactive coverage gap alerts
Missing endorsements and policy coverage gaps are flagged the moment they appear. An unverified contractor on public property isn't a paperwork issue — it's a public accountability risk.
Audit-ready compliance snapshots
Generate one-click reports: open gaps, contractor activity, communication history, resolution timelines. Ready for FOIA requests, board reviews, and procurement audits — instantly.
Why government agencies are making the switch to illumend.
Old Way
- COIs tracked in spreadsheets across multiple departments, projects, and facilities
- 15–20 administrative hours/week chasing renewals
- Days-long waits for COI review before contractors can access a site
- Contractors ignoring portal registration, stalling project timelines
- Discovering a lapsed policy after an incident on public property
- Scrambling to pull documentation when a FOIA request or audit arrives
- No unified view across departments, third-party partners, or contract types
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illumend Way
- One centralized dashboard. Every partner, every location, real-time
- Fully automated renewals, you're only notified when action is needed
- Compliance decisions in minutes — even during high-volume procurement surges
- Frictionless one-click third-party partner link, no portal, no login, no friction
- Coverage gaps flagged in real time — before a non-compliant contractor steps on-site
- Audit-ready snapshots — contractor activity, gaps, and resolution history, anytime
- Full compliance visibility in one place
Stop chasing COIs.
Start running your agency.
See how your current process stacks up and how illumend strengthens it with intelligent automation.
FAQ
Public sector organizations manage numerous contractors who must carry adequate insurance. Without an automated system to track and verify these certificates of insurance (COIs), coverage gaps go undetected. illumend keeps every contractor verified, every document current, and every gap flagged before it becomes a public liability.
illumend centralizes all contractor certificates in one dashboard, organized by department, project, or contract type. Your team can see who's compliant, who needs attention, and where the gaps are with powerful filtering. This eliminates spreadsheets scattered across shared drives and separate inboxes.
Our Lumie AI sends automated renewal reminders before expiration and escalates non-responses. If a policy lapses, the contractor is flagged as non-compliant immediately, so your team knows before they set foot on a job site. This proactive monitoring prevents gaps that manual tracking often misses.
Yes. illumend generates one-click compliance snapshots filtered by contractor, department, or date range in seconds. The audit trail is built automatically, so you're always prepared for a public records request, an annual procurement review, or an unexpected board inquiry.
No. Contractors receive a one-click link to upload their COI. There is no portal, login, or registration required. If they can click a link and upload a file, they're done. This simplicity drives higher adoption, meaning fewer compliance gaps for your agency and fewer delays on public projects.