Upload a certificate of insurance below and see gaps, limits and expiration dates in seconds. No account needed.
Upload your certificates of insurance
Drop files here or click to upload
Up to 50 files
Uploading...
No certificate on hand? Loading the sample certificate...
Free demo, no account needed. See plans and prices
illumend is the name myCOI now trades under, and its review listings were renamed with it. The headline score on Capterra and Software Advice is high. The catch is the dates. Those reviews were written before the AI-led product launched, so the rating describes the staffed myCOI service rather than the illumend platform you would buy today. Below is what reviewers actually praised and complained about, what has changed since, and the questions that close the gap. You can also test certificate reading on your own COIs right here, with no call.
Review themes were read from the Capterra and Software Advice listings for myCOI, now titled illumend, in September 2026, and product claims from illumend.ai. We have no reviews of our own on these directories and do not publish a rating for COISoftware.
A high rating is a real signal. It is also a signal about a specific product at a specific time, and a few facts about these reviews change how much weight it should carry in a 2026 buying decision.
illumend now leads with Lumie, its AI engine, which reviews every COI and endorsement automatically and makes the compliance decision. The reviews on the Capterra and Software Advice listings predate that launch, so none of the reviewers used Lumie.
The recurring compliments are about responsive support, account managers and experts who review certificates for you. illumend now publishes that the AI decides by default and that added human oversight is a subscription package option, so the most praised part of the old service is no longer the default.
Other directories may still list the product under myCOI, with reviews from the same pre-illumend period. Buyers searching the new name land on marketing pages instead, which is why this page exists: the only illumend review data is myCOI review data.
None of this means the reviews are wrong. It means they answer a narrower question than the one a buyer is asking. They tell you how myCOI customers felt about a service-led product before the relaunch, and they say those customers liked the people a great deal. They cannot tell you how Lumie handles your certificates, how fast a decision comes back, or what the price looks like, because illumend publishes no price and its pricing URL returns a 404. If you are comparing replacements rather than validating illumend, our illumend alternative page sets the two models side by side.
The themes below recur across the Capterra and Software Advice reviews of myCOI. Read them as a description of the staffed service, not of the AI platform.
The most repeated compliment by a wide margin. Reviewers from real estate, education and construction describe a support team that is available and follows through, often naming an account manager.
Several reviewers describe handing certificate review to myCOI staff, one under the title "Leave it to the experts". That was the Concierge model. Under illumend, human oversight is something you add to the package.
A single place where vendors, agents and your team upload and see status, replacing inboxes and shared drives. This is the core job of any COI platform and reviewers say myCOI did it well.
Construction reviewers value seeing insurance notes and compliance status inside Procore. Procore is still the one integration illumend names explicitly on its site.
The most common complaint is finding things: limited filters, no standard naming for uploaded certificates, and bulk download that is awkward when an auditor wants everything at once.
Reviewers note that customizing insurance requirements is limited, that the interface takes time to learn, and that reviews can take longer than expected after an upload.
Read those two lists together and a pattern shows. The strengths were human (support, expert review) and the weaknesses were software (search, customization, speed). The illumend relaunch reversed the emphasis: an AI now reviews every certificate and decides, and people are the optional layer. That may well fix the speed complaint. Whether it keeps the support scores is exactly what the existing reviews cannot tell you. For a wider view of the category, see the best COI tracking software roundup, and for what staffed review costs across vendors, COI tracking software with human review.
Four questions that turn an old rating into a current answer.
Any reference from before the relaunch describes the service the reviews already cover. Ask specifically for a customer who started on illumend with Lumie deciding, in your industry and at roughly your vendor count.
Tip: If the vendor can only offer long-tenured customers, that is useful information in itself.
Ask whether your quote includes human oversight or Lumie decisions only, and what the added oversight package costs. The reviews praise the people; make sure the people are in what you are buying if that is why you are buying.
Tip: Ask the same question of every vendor you compare, including us: we have no human reviewers and say so.
The speed complaint is the one the AI relaunch most plausibly fixed. Send a messy certificate with an attached endorsement and measure how long a compliance decision takes to come back.
Tip: Use your worst scan, not a clean sample.
The most consistent complaint was finding and exporting documents. In any demo, ask to pull every certificate for one vendor and bulk export a project folder, then watch how many clicks it takes.
Tip: Auditors ask for exports, so this matters more than it looks in a demo.
If your quote includes the added human oversight package, you are buying something close to what the myCOI reviewers rated so highly, and the support scores are a fair guide. That is a genuine strength and it is rare in the category. Teams that want an outside party reading every endorsement, and have the budget for it, should take those reviews at face value.
Construction reviewers are the largest group on the listing and they rate the Procore connection highly. illumend still names Procore as its integration. If your subcontractor compliance lives inside Procore projects, that history counts for something.
illumend states that it serves construction, commercial real estate, retail and franchise, utilities, government, manufacturing, transportation and healthcare, and says customers manage 45M+ insurance documents on it. At that scale an AI that decides by default, with people on escalations, is a sensible design. For how the same buyers weigh staffed review against price, the COI tracking services page compares the outsourced and self-serve models.
If you want to judge the AI itself, the reviews are silent. If you are a smaller team that wants to see a price before a call, they are silent there too. In both cases the faster evidence is a test on your own certificates, which is what the tool at the top of this page does. The myCOI (now illumend) alternative page covers the same vendor under the name most buyers still search for.
illumend reviews on Capterra and Software Advice are strongly positive, with praise concentrated on customer support, ease of use and a single hub for certificates, and complaints about search, file naming, requirement customization and review speed. All of them were written as myCOI reviews, before the illumend relaunch.
Yes. illumend is the platform from myCOI: its site describes Lumie as the AI trained on 16 years of compliance expertise from myCOI, keeps a login and a support page for returning myCOI users, and the directory listings that used to say myCOI now carry the illumend name with the same reviews.
Not on the main software directories as of September 2026. The newest review on the Capterra and Software Advice listing predates illumend and its Lumie AI engine. The only way to judge the current product is a reference customer onboarded on illumend or a test on your own certificates.
The most common myCOI complaints are difficulty finding documents (limited filters and no standard naming for uploaded certificates), awkward bulk downloads, limited customization of insurance requirements, a learning curve on the interface, and reviews that sometimes took longer than expected after an upload.
Not by default. illumend publishes that Lumie reviews 100 percent of certificates and endorsements automatically and makes each decision itself, raising only items it cannot resolve. Teams that want more human oversight are told to add it to their subscription package. The staffed review praised in older myCOI reviews is therefore an option now, not the standard.
illumend does not publish a price. illumend.ai/pricing and illumend.ai/plans both return a 404, and every pricing path leads to a demo request, an ROI calculator or a scorecard. None of the directory listings shows a vendor price either. For a published comparison point, COISoftware starts at 49 dollars a month with a free 10-document demo.
It can be, but nothing in its public material is aimed at small teams: there is no self-serve trial, no published entry price and onboarding starts with a demo. Most reviewers came from mid-size organizations such as city governments, school divisions, property managers and contractors. Small teams usually want to see the price and test on their own certificates first.
It depends on why you are leaving. If you want staffed review, CertFocus by Vertikal RMS still sells credentialed human review with published rates and annual minimums. If you want published pricing and a same-day start, COISoftware is self-serve from 49 dollars a month. The best COI tracking software roundup compares fifteen platforms on both axes.
The two models side by side: AI deciding by default versus your rules and your team.
The same vendor under the name most buyers still search for.
Two service-led COI platforms compared on pricing model and review.
The closest like-for-like if staffed human review is why you bought.
Fifteen COI platforms compared, with every published price.
Every published rate, annual minimum and setup fee in the category.
No credit card required. New accounts start with a one-time demo of 10 documents.
Start tracking vendor certificates of insurance and never miss an expiration.
USD
per month
per month
$288 charged today
One shared monthly allowance. Spend it on either model, or mix: 1 Pro AI certificate = 5 Base AI certificates. A certificate counts as one, whatever its page count.
| Base AI Faster | 2,500 certificates |
| Pro AI Best accuracy | 500 certificates |
Four times the monthly certificate allowance and four times the Smart Reports.
USD
per month
per month
$888 charged today
One shared monthly allowance. Spend it on either model, or mix: 1 Pro AI certificate = 5 Base AI certificates. A certificate counts as one, whatever its page count.
| Base AI Faster | 10,000 certificates |
| Pro AI Best accuracy | 2,000 certificates |
The largest certificate allowances, API access and the most Smart Reports.
USD
per month
per month
$ charged today
Two separate monthly allowances, one per AI model. Certificates read with Base AI count only toward the Base AI allowance, and certificates read with Pro AI only toward the Pro AI allowance. A certificate counts as one, whatever its page count.
| Base AI Faster | certificates |
| Pro AI Best accuracy | certificates |
Double the Pro 350K allowances for the largest certificate programs.
USD
per month
$59,880 charged today
