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COISoftware is a myCOI alternative built for teams that want transparent, self-serve COI tracking instead of a quote-based, sales-led platform. Note that myCOI now ships as illumend at illumend.ai, built around an AI engine called Lumie that reviews every certificate and endorsement at upload and makes the compliance decision itself, with added human oversight offered as a subscription package option rather than the default. COISoftware reads the ACORD 25 with AI, verifies coverage against your rules, and sends renewal reminders, with a free demo and no per-vendor minimums. Upload a certificate above to see the extraction before you decide.
An honest, feature-by-feature comparison of COISoftware and myCOI for certificate of insurance tracking.
This comparison reflects public information from vendor sites, re-verified September 2026. myCOI now trades as illumend at illumend.ai and publishes no pricing; both illumend.ai/pricing and illumend.ai/plans return 404, so its figures are quote-based. illumend states that its AI, Lumie, makes each compliance decision itself and that teams wanting more human oversight should ask about adding it to their subscription package, so the staffed review the myCOI Concierge tier was known for is no longer the published default. Confirm current details directly with each vendor.
myCOI is an established, capable platform. Teams still shop for alternatives, usually for a few specific reasons.
myCOI quotes custom pricing rather than listing plans, so you go through sales to learn the cost. Teams that want to compare on price up front look elsewhere.
In 2026 mycoitracking.com redirects to illumend.ai, where the platform is presented as illumend from myCOI, built around an AI engine named Lumie. Existing customers still log in through the old portal. It is the same company and heritage, but if you are comparing screenshots and reviews written before the change, you are not looking at the current product. See our head to head at myCOI vs TrustLayer.
There is no free tier or trial. illumend runs its demo on your documents, but only through a sales conversation, so you cannot start on your own before committing to a contract.
illumend has its Lumie AI make the routine compliance decisions and sells more human oversight as an add-on to the subscription package. Teams that bought myCOI for staffed review should confirm what their plan still includes, and teams that prefer to run COI tracking themselves still buy through a sales conversation.
Because part of the review is human-assisted, some users report processing times that stretch during busy renewal periods.
myCOI is aimed at mid-market companies. Smaller teams and lean operations can find the model heavier than they need.
Some teams simply want to upload a certificate and have AI read and verify it instantly, without a managed layer in between.
None of this makes myCOI a bad product. It is a good fit for compliance teams that want to hand certificate review to an outside team and do not mind quote-based pricing. The teams searching for an alternative usually want the opposite: transparent pricing, a free way to start, and AI that does the verification so they can run the program in-house. That is the gap COISoftware fills.
The same core job (collect, read, verify and track certificates) with transparent pricing, a free demo, and AI that does the heavy lifting.
Upload any certificate and the AI reads the insurer, policy numbers, limits, dates and additional insured status, even from scans and phone photos.
Set your requirements once and every certificate is checked against your minimum limits and required endorsements, then flagged the moment it falls short.
Automated reminders go out at 60, 30 and 15 days before a policy lapses, so coverage never gaps and you never chase a renewal late.
Every certificate, requirement and vendor in one searchable place, so you can answer "who is compliant?" in a single click.
Export a clean compliance report to Excel or CSV the moment a client, insurer or auditor asks for proof.
Published monthly pricing with a free demo and no per-vendor minimums, so you see the cost and start without a sales call.
COISoftware reads the same forms your agents send, including the ACORD 25 and the broader certificate of liability insurance, using AI COI tracking that verifies every certificate against your rules. For the full feature set, see our certificate of insurance management software and vendor insurance compliance software, or compare the whole market in our best COI tracking software roundup.
Moving your COI tracking over takes about an afternoon, not a project plan.
Pull your current vendors and their latest certificates out of myCOI or your spreadsheet. A simple list of vendors and their COIs is enough to start.
Tip: Start with your highest-risk vendors to see value the same day.
Drag your existing COIs into COISoftware and the AI reads each ACORD 25 automatically: insurer, limits, dates, endorsements and additional insured status. No manual re-entry.
Define your minimum limits and required endorsements once. Every certificate is checked against them, and renewal reminders go out before anything lapses.
An honest take, because the right tool depends on how you want to run COI tracking.
If you want a platform whose AI reviews every certificate, contacts your vendors about what is missing and surfaces only the exceptions, with an onboarding team that audits your requirements and human oversight you can add to the package, illumend is a real option. Larger mid-market teams that are comfortable buying through a demo and quote-based pricing are well served there.
If you would rather run COI tracking yourself with software that does the heavy lifting, COISoftware fits better. You get AI ACORD 25 extraction, automatic coverage verification against your own rules, and renewal reminders, with transparent monthly pricing, a free demo, and no per-vendor minimums. It scales from a property manager with 20 vendors to a contractor with thousands, and you can start free today using the uploader above.
Many teams compare both against other platforms too. See our honest best COI tracking software roundup for how myCOI, Certificial, TrustLayer and COISoftware stack up side by side.
Yes. COISoftware does the same core job as myCOI, collecting, reading, verifying and tracking certificates of insurance, but with transparent monthly pricing, a free demo, and no per-vendor minimums. It suits teams that want to run COI tracking themselves with AI automation rather than buy a quote-based platform through sales.
myCOI does not publish its pricing; it quotes custom rates based on your vendor count and the service level you need, so you have to contact their sales team. Across the COI market, full-service platforms generally run $10 to $30 per vendor per year. COISoftware lists transparent monthly pricing and offers a free 10-document demo.
The best alternative depends on what you want. COISoftware is the strongest fit for transparent pricing and self-serve AI extraction, Certificial for real-time policy data, and TrustLayer for tracking COIs with other documents. If your main reason for leaving is quote-based pricing and no free tier or trial, COISoftware addresses both directly.
myCOI does not offer a free trial; access is through a custom contract after a sales conversation. If you want to test COI tracking on your own certificates at no cost first, COISoftware has a free 10-document demo you can start in minutes.
Because myCOI quotes custom pricing, a direct dollar comparison depends on your contract. What is clear is that COISoftware publishes transparent monthly pricing and offers a free 10-document demo, so you can see the price and test it at no cost, which is not the case with quote-based platforms.
Yes. Export your vendor list and current certificates, upload the COIs into COISoftware, and the AI reads each one automatically. Set your coverage requirements once and you are tracking compliance with renewal reminders. Most teams are up and running the same day.
The core difference is the model. myCOI, now illumend, has its Lumie AI review certificates and contact vendors, with more human oversight sold as an add-on, priced by custom quote after a demo. COISoftware is self-serve software: AI reads and verifies each certificate against your rules, with transparent pricing and a free demo. One is bought through sales; the other you start yourself in minutes.
Yes. illumend is the myCOI product under a new name, presented on the site as illumend, from myCOI. The company announced the illumend launch on 6 May 2025, and the old mycoitracking.com address now redirects to illumend.ai. Existing customers log in through a returning myCOI user link, and some older directory profiles still use the myCOI name.
illumend does not publish pricing. Both illumend.ai/pricing and illumend.ai/plans return 404, and every route ends at a demo request, an ROI calculator or a compliance scorecard. Cost comes through a quote. Third-party directories carry dollar estimates, but those reflect what a directory lists rather than what the vendor charges, so treat them as unverified.
Because the company completed its brand migration to illumend. The myCOI name survives as a descriptor in illumend, from myCOI, and in the returning-customer login, but the primary web address is now illumend.ai. Any old pricing link, internal wiki entry or vendor instruction pointing at the myCOI domain will land on the new homepage rather than the original page.
Yes. Procore is the integration illumend names explicitly in its published feature list, alongside a general reference to other project, ERP and accounting systems. The company does not publish a full connector list, so confirm your specific platform, such as Yardi, MRI or Sage, during evaluation rather than assuming it is covered.
Plans and prices of other vendors are quoted from their own public pages, checked in September 2026. Prices change, so confirm them at the source before you decide. Where a vendor publishes no price, we say so instead of guessing.
Our own prices are on the pricing page, and you can test COISoftware on your own certificate before you pay anything.
What the myCOI-era ratings cover, and why none describe the AI relaunch.
Compare fifteen leading COI tracking platforms honestly, side by side.
Collect, verify and track vendor and subcontractor COIs in one place.
Compare COISoftware and Certificial on real-time verification and pricing.
Published pricing, vendor count bands and endorsement checking compared.
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
