What is the COI Reality Scorecard?

The COI Reality Scorecard is a free 5-minute self-assessment tool from illumend that shows organizations where their certificate of insurance compliance process is solid, where it is fragile, and where hidden risk tends to creep in as third-party partner volume increases. No insurance expertise is required — you answer questions based on what actually happens in your organization today, not what is supposed to happen.

What do I get from completing the COI Reality Scorecard?

Completing the scorecard gives you a clear score category showing where you land on the COI compliance maturity scale, a plain-language explanation of what your score actually means, identification of your most common compliance blind spot and the hidden risk at your stage, and recommended next actions that other teams at your maturity level typically take.

Who should take the COI Reality Scorecard?

The COI Reality Scorecard is designed for risk managers, compliance analysts, operations leaders, CFOs, general contractors, and property managers who oversee third-party partner insurance compliance. It is useful for any organization that collects, reviews, or tracks certificates of insurance and wants to understand where their current process creates hidden risk exposure.

Is the COI Reality Scorecard free?

Yes. The COI Reality Scorecard is completely free and takes approximately 5 minutes to complete. It requires no account creation and no insurance expertise.

What is COI compliance process maturity?

COI compliance process maturity refers to how systematically and reliably an organization collects, verifies, and monitors certificates of insurance from its third-party partners. Organizations at lower maturity levels typically rely on manual tracking, email follow-up, and spreadsheets — creating hidden risk as partner volumes grow. Higher maturity organizations use automated platforms like illumend to continuously monitor coverage, flag gaps before they become claims, and maintain audit-ready documentation.