myCOI alternative: Certy vs myCOI (illumend)
myCOI is one of the longest-running COI tracking companies. Its platform is now branded illumend, an AI-driven compliance product backed by myCOI, and mycoitracking.com redirects there. It serves large organizations across construction, commercial real estate, retail and franchise, utilities and government. Certy is built for smaller teams that want published pricing and to be running the same day.
We make Certy, so weigh this accordingly. Everything about myCOI below comes from their public website as of October 2026. If something has changed, email us and we’ll correct it.
At a glance
| Certy | myCOI | |
|---|---|---|
| Pricing | Published: $49/mo (25 vendors), $149/mo (150), $299/mo (500) | Quote after demo; not published |
| Getting started | Sign up and start the same day; setup help loads your first 50 vendors free | Demo, then onboarding with the vendor |
| Certificate review | AI reads every field; you can correct anything and checks re-run | AI review of COIs and endorsements; humans on edge cases |
| Vendor experience | Private upload link, no account; PDF or phone photo | Vendors guided to submit compliant documents |
| Reminders | 30, 14 and 7 days before expiry, then weekly while missing | Automated outreach and renewals |
| Integrations | None yet; CSV import and export | Procore (announced 2025); others via sales |
| Managed service | No managed outreach team | Available in higher-touch packages |
Pricing
myCOI: Not published. Pricing comes through a demo and quote. No free plan listed.
Certy: $49, $149 or $299 per month, published. Yearly billing is 10× monthly. No free plan. Free ACORD 25 checker and other tools without signup. 30-day money-back guarantee. See pricing.
How certificates get reviewed
myCOI: AI engine (“Lumie”) reviews COIs and endorsements against requirements, with humans handling edge cases. Higher-touch packages add insurance professionals as an extension of your team.
Certy: Self-serve software. AI reads each certificate; you review and correct any field. It checks general liability, auto, umbrella and workers’ comp limits, additional insured and waiver of subrogation boxes, the certificate holder name, and every policy’s expiration date. Try it on a certificate with the free ACORD 25 checker.
Integrations
myCOI: Procore integration announced in 2025; enterprise integrations through sales.
Certy: None yet. CSV vendor import and full data export.
When myCOI is the better choice
- You need endorsement-level review and insurance professionals on call, not just certificate checks.
- You want a Procore integration or other enterprise integrations.
- You manage thousands of vendors across many business units and need multiple users and permissions.
When Certy is the better choice
- You want to see the price before talking to sales, from $49/month.
- You have roughly 10 to 500 subs or vendors and one or two people handling COIs.
- You want to start today, with your first 50 vendors loaded for you.
myCOI is best for: Mid-size and enterprise organizations that want a long-established vendor, endorsement review, and optional insurance-professional support. Certy is best for: general contractors and property managers with about 10–500 subs or vendors who want simple software, published pricing and setup help included.
Frequently asked questions
Is myCOI now illumend?
myCOI’s AI platform is branded illumend, described as backed by myCOI, and mycoitracking.com redirects to illumend.ai. Check with the company about your existing contract or account.
How much does myCOI cost?
myCOI (illumend) doesn’t publish pricing as of October 2026; you get a quote after a demo. Certy’s pricing is published: $49, $149 or $299 per month by number of active vendors.
Can I move my certificates from myCOI to Certy?
Yes. Export your vendor list and certificates, then import the list into Certy by CSV, or email us the files and we’ll load your first 50 vendors for free.