COI compliance software for the transportation industry
You keep freight moving. You shouldn't be chasing insurance certificates.
Every carrier in your network needs verified coverage before they move a load. illumend handles it automatically, so your team stays focused on the freight.
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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
2M+
coverage gaps flagged before claims
750K+
third-party partners cleared
2M+
gaps compliance gaps caught
Three ways Lumie AI keeps your network covered.
Automatically confirm insurance coverage before the first load moves
Lumie reviews every carrier's submitted certificate against your coverage requirements and returns a decision fast — not after a manual review cycle that holds up onboarding and delays dispatch. Every review logged and timestamped automatically.
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Live compliance status across your entire carrier network
See which carriers are verified, which are lapsing, and which need immediate attention — filtered by carrier type, lane, or risk level. Always current. No manual spreadsheet checks before a load is tendered.
Renewals that don't fall through the cracks
Carrier insurance expires constantly. Lumie tracks every certificate expiration across your network and sends automated reminders before a policy lapses. Your team is only notified when a carrier fails to respond.
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From the first demo to full 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 stop chasing paperwork and start controlling contractor risk.
Lumie AI - Instant COI review
Every submitted certificate gets a compliance decision in minutes — not the days-long manual review that delays carrier onboarding and holds up dispatch.
Renewals on autopilot
Lumie tracks every expiration across your carrier network and sends renewal reminders automatically. No lapsed policies slipping through between load cycles.
One-click partner invites
No portals. No logins. Carriers receive a direct link to submit their certificate. Higher submission rates mean fewer compliance gaps across your network.
Network-wide dashboard
See compliance status across your entire carrier base. Filter by carrier type, lane, region, or risk level. Built for the volume and turnover of active transportation networks.
Proactive coverage gap alerts
Certificate gaps flagged the moment they appear — before a non-compliant carrier moves a load. In transportation, a coverage gap discovered after an incident doesn't just create liability. It creates a crisis.
Audit-ready compliance snapshots
One-click reports: open gaps, carrier submission history, renewal timelines. When a broker audit or compliance review calls for documentation, you have it immediately.
We gave the outdated COI model a new route.
Old Way
- Carrier certificates tracked in spreadsheets across hundreds of active relationships
- Manual certificate reviews delaying onboarding and holding up dispatch
- Lapsed policies going undetected between collection cycles
- Carriers ignoring collection requests, stalling your operations
- Coverage gap discovered after an incident, not before
- Scrambling for documentation when a broker audit arrives
- No unified view across your full carrier network
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illumend Way
- One centralized dashboard. Every partner, every location, real-time
- Compliance decisions in minutes — carriers verified before their first load
- Automated renewal tracking — gaps caught before a carrier moves freight
- One-click submission link — no portal, no login, no friction
- Certificate gaps flagged in real time — before a load is tendered
- Audit-ready snapshots — contractor activity, gaps, and resolution history, anytime
- Full facility visibility in one place
FAQ
Freight brokers and third-party logistics companies collect and verify certificates of insurance from carriers as part of the carrier onboarding and ongoing compliance process. With high carrier turnover, constantly renewing policies, and a network that can span hundreds of active relationships, manual COI collection and tracking creates compliance gaps that are nearly impossible to catch before they create exposure. illumend automates the collection, review, and ongoing monitoring of carrier certificates so your team always knows the coverage status of every carrier in your network — without the manual overhead.
illumend is built for the volume and velocity of active transportation operations. Carriers receive a direct link to submit their certificate — no software to install, no portal to register for. Lumie reviews every submission against your coverage requirements automatically and flags anything that doesn't meet your thresholds. The result is a continuously updated compliance record across your entire carrier base without the manual review burden on your operations team.
Most freight brokers and fleet operators require carriers to carry auto liability coverage meeting FMCSA minimums — typically $750,000 to $1,000,000 for non-hazardous general freight — along with cargo insurance sized to the loads being hauled, general liability, and workers' compensation. Specific requirements often vary by lane, commodity type, and contract terms. illumend allows you to set custom coverage thresholds by carrier type, with Lumie automatically flagging any submitted certificate that doesn't meet your requirements.
Lumie monitors every certificate expiration across your carrier network and sends automated renewal reminders before a policy lapses. If a carrier fails to respond, the system escalates and flags them as non-compliant — giving your team advance notice before the expiration date, not after. Without automated monitoring, lapsed certificates frequently go undetected between manual collection cycles, leaving your network exposed during the gap.
As part of onboarding, carriers submit their certificate of insurance directly through a one-click link — no registration required. Lumie reviews the submission immediately and returns a compliance status, so your team knows whether a carrier is cleared to move freight before their first dispatch. Every review is logged and timestamped, creating a documented vetting record for every carrier in your network.
Yes. illumend generates one-click compliance snapshots that include certificate submission history, renewal logs, gap alerts, and resolution timelines — filterable by carrier, lane, date range, or coverage type. When a broker audit, regulatory review, or compliance documentation request requires records, your team isn't scrambling to reconstruct a paper trail. The documentation is already built.
Stop chasing COIs.
Start moving freight.
See how your current process stacks up — and how illumend strengthens it.