Jones and myCOI both target construction and commercial real estate, both integrate with Procore and both put machine learning and human experts on your certificates. Jones adds a large vendor network and a published verification SLA. myCOI now ships its AI as illumend. Neither prints a price. Here is the honest difference, and where self serve software fits instead.
Last updated July 2026
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Feature by feature, using only what each vendor publishes. Where a vendor publishes nothing, this table says not published rather than guessing.
| Feature | Jones | myCOI (illumend) | COISoftware |
|---|---|---|---|
| Focus | Construction and commercial real estate | Construction and commercial real estate | Any US business tracking vendor certificates |
| Who reads the certificate | Machine learning plus human compliance experts | Lumie AI plus compliance professionals on edge cases | AI extraction and your own rules |
| Vendor network | Jones Network, states more than 30,000 vendors with pre populated certificates | Not the core of the model | None, every vendor verified from its own certificate |
| Procore integration | Yes, bi directional, works inside your Procore account | Yes | API and Procore workflow support |
| Verification speed | Publishes a 24 hour COI verification SLA | Not published as a fixed SLA | Seconds for AI extraction, your team sets review pace |
| Endorsement depth | States an index of more than 1,800 construction endorsements | Deep construction endorsement review by professionals | Rule checks on limits, coverages and endorsement wording |
| Published pricing | No, quote based | No, quote based | Yes, monthly plans from 49 dollars |
| Free plan | Not published | Not published | Yes, free tier |
| Scale cited | More than 25,000 properties and projects, more than 2.5 billion square feet | More than 45 million documents processed | Not published as a headline number |
| Best for | Large construction and real estate enterprises with Procore and a compliance team | Construction and real estate teams that want insurance experts in the loop | Teams that want transparent pricing and to run it in house |
Compiled from getjones.com and illumend.ai in July 2026. Both price by quote, so no cost figures are shown for them. Vendors change products and pricing, so verify before you buy.
Both are aimed at the same buyer: a construction or real estate program with high risk contracts running through Procore. The differences are about the network, the SLA and the brand.
Jones states a Jones Network of more than 30,000 vendors with pre populated certificates and contacts, which speeds up prequalification and procurement when your subcontractors are already in it. myCOI, now illumend, leans on its own compliance professionals plus the Lumie AI rather than a shared network. If your vendor roster overlaps the Jones Network, that head start is real. If it does not, the network does less for you.
As of 2026, mycoitracking.com redirects to illumend.ai, where the product is illumend from myCOI and the AI engine is named Lumie. Existing myCOI customers still log in at the old portal. A comparison that still calls it myCOI without mentioning illumend is out of date.
Jones publishes a 24 hour COI verification service level and an endorsement index of more than 1,800 construction endorsements. myCOI describes deep professional review but does not publish a fixed turnaround. If a hard SLA matters for a fast moving construction schedule, that is a point in the Jones column.
Jones cites more than 25,000 properties and projects across more than 2.5 billion square feet, and raised a Series B to keep scaling. myCOI has roughly sixteen years in the market. Both are priced and built for the mid market and up, and both route pricing through a demo. A contractor with 50 subcontractors sits below the size these tools are shaped for.
You cannot upload your worst certificate on a Tuesday afternoon and watch either platform read it before you buy. Both sell through a demo, a proposal and an onboarding. That is the trade for a managed model, on both sides.
A shared vendor network pre populates documents for suppliers already participating. It does nothing for the two person subcontractor who emails a scanned certificate once a year and will never log in anywhere. Most small subcontractors are exactly that, which is the gap that sends smaller programs looking for a third option.
If you want the wider field than these two, our best COI tracking software roundup compares eight platforms, and the single vendor deep dives live at Jones alternative and myCOI alternative. The other head to head buyers ask for is myCOI vs TrustLayer.
Both Jones and myCOI ask you to book a demo and buy into an enterprise construction platform. Some teams want the tracking without the enterprise.
Upload an ACORD 25 and the insurer, NAIC number, policy numbers, limits, dates and additional insured status come back in seconds, from crooked scans and phone photos as well as clean PDFs.
Published monthly plans starting at 49 dollars, a free tier, no annual minimum and no implementation fee. Size the cost before anyone books a demo.
Set minimum limits, required coverages and endorsement wording by vendor type, and every arriving certificate is scored against them automatically.
Reminders at 60, 30 and 15 days go to the vendor, not to your calendar, so a lapse is caught before a crew shows up uninsured.
Every vendor is verified from its own certificate, so a subcontractor who has never heard of us is onboarded exactly as fast as one already in a network.
Produce the compliance record an auditor, insurer or client asks for without rebuilding it from an inbox.
COISoftware reads the ACORD 25 the same way both platforms do, then applies the checks behind certificate of insurance verification and the ongoing monitoring in vendor insurance compliance software. General contractors tracking subcontractor certificates start at COI tracking for general contractors, and Procore teams at COI tracking for Procore.
Four questions settle most construction COI evaluations faster than a demo does.
If a large share of your subcontractors already sit in the Jones Network, pre populated certificates save real onboarding time. If your roster is mostly small local trades that are not in any network, that advantage shrinks and you are really comparing review quality and price.
Tip: Check your actual roster against the network before you assume the head start.
Jones publishes a 24 hour COI verification service level. On a fast construction schedule that can be the deciding feature. myCOI describes deep professional review without publishing a fixed turnaround, so ask for one in writing during the demo.
Both integrate with Procore, but the depth differs. If subcontractor compliance must live inside Procore and flow both ways, get each vendor to demo that exact workflow with your project structure, not a generic sandbox.
Not the clean sample PDF. The crooked phone photo of a fax. Whichever tool reads that correctly is the one that survives contact with your inbox, and COISoftware lets you run that test free, today, before you commit to an enterprise contract.
Three straight answers rather than a scorecard that always ends with us winning.
Jones is built for large construction and real estate enterprises, integrates bi directionally with Procore, publishes a 24 hour COI verification SLA and brings a Jones Network of more than 30,000 vendors plus an index of more than 1,800 construction endorsements. If your subcontractors overlap that network and your schedule needs a guaranteed turnaround, it is a strong enterprise fit. Our deep dive is at Jones alternative.
Roughly sixteen years of certificate review, a Procore integration and the Lumie AI that decides routine cases while professionals handle edge cases make illumend a natural fit for construction and real estate programs that want judgment more than a network. The catch is quote based pricing and a sales cycle. The detail is in our myCOI alternative write up.
If the honest description of your problem is that subcontractor certificates arrive by email, live in a folder, and nobody notices when one expires, you do not need an enterprise construction platform or a vendor network. You need AI that reads them, rules that check them and reminders that chase them. That is a COI tracking system you can stand up this week, and the subcontractor workflow is covered in COI tracking for general contractors.
Both target construction and commercial real estate, integrate with Procore and combine machine learning with human compliance experts. Jones adds a Jones Network of more than 30,000 vendors and publishes a 24 hour COI verification SLA. myCOI, now illumend, leans on its own reviewers and the Lumie AI rather than a shared network. Jones sells network plus SLA; myCOI sells review depth.
Yes. In 2026 mycoitracking.com redirects to illumend.ai, which presents illumend as the AI native product from myCOI. Existing myCOI users still log in at the previous portal. The company describes Lumie as the AI engine that reviews certificates against contract requirements, with human professionals handling the edge cases.
Neither publishes pricing. Both quote based on vendor count, project scale and service level, and both route you through a demo first. Any specific figure you find in a comparison article comes from a review site or a user report, not from the vendor. Expect an annual contract in both cases.
Both are built for it. Jones fits large construction and real estate enterprises that want a vendor network, a bi directional Procore integration and a published 24 hour verification SLA. myCOI, now illumend, fits teams that want deep professional review and Procore without needing a network. For a smaller general contractor, self serve software is usually faster to stand up and cheaper to run.
Both do. Jones offers a bi directional Procore integration that runs inside your Procore account, and myCOI, now illumend, also integrates with Procore. If subcontractor compliance must live inside Procore, have each vendor demo that exact workflow against your own project structure before deciding.
Neither publishes a free plan. Both are managed platforms sold through a demo and a proposal rather than a self serve trial. If testing extraction accuracy on your own certificates before you commit matters, COISoftware has a free tier for exactly that.
If the objection is quote based pricing and an enterprise sales cycle, COISoftware publishes monthly plans and a free tier and needs no sales call. If you want credentialed reviewers with published per vendor pricing, CertFocus is the comparison to make. If you want the widest view, the best COI tracking software roundup compares eight platforms side by side.
