Updated October 2026 · checked against myCOI's own website

A myCOI Alternative You Can Price and Start Today — No Demo Required

myCOI is now illumend: an AI called Lumie, trained on sixteen years of myCOI's compliance work, reviews each certificate and escalates what it can't resolve. It is a serious product sold through a demo. TrackMyVendor is the self-serve option — the price is on the website, you set it up yourself, and every sub's license is checked against the state database.

Start free — no sales call → Compare side by side ↓

Choose myCOI if

✓Sixteen years of compliance history behind the product matters to your diligence.
✓You want an AI that makes the call on each certificate and escalates only what it can't resolve, with human oversight added if you ask for it.
✓You want the AI to reach out to your vendors itself, not just remind them.
✓You're already on myCOI with your requirements configured, and moving would cost more than it saves.

Choose TrackMyVendor if

✓You want to see the price and set it up yourself this afternoon, without a demo.
✓You want a full data export on every plan, so the choice stays reversible.
✓You need each sub's license checked against the state database, not stored as another document.
✓You want the endorsement forms read — additional insured, waiver, primary and noncontributory — not just the ticked boxes (Pro).
✓Your insurer's premium audit should take an afternoon: every sub's coverage by day, with the evidence (Pro).
✓You pay subs from QuickBooks Online and want their compliance on the vendor record before you do (Pro).
✓You track more than contractors — tenants, renters, franchisees — each on their own list, with requirements set per job, site or property.

TrackMyVendor vs myCOI, feature by feature

Both read certificates with AI. The differences are how you buy it, how much of the judgement the software makes for you, whether the license is checked, and how your data moves in and out.

Capability	TrackMyVendor Free to start — see pricing	myCOI illumend — demo for pricing
Published pricing See the price before you talk to anyone	✓ Free plan; paid plans priced on the website	✗ No prices on its site; calls to action book a demo
Free plan and self-serve trial Load your own roster before you commit	✓ A free plan; 30-day trial on paid plans, no card	✗ None listed
Setup Who configures the account, and how long it takes	✓ You, in about ten minutes	Demo-led; "Get Started" schedules a demo
How certificates are collected What the sub has to do	✓ One-time link from their phone, no account to create	Lumie reaches out to your vendors
AI certificate reading Coverage data pulled from the PDF	✓ Carrier, policy number, dates and limits on every row — every plan	✓ Lumie reviews every COI "in minutes"
Contractor license verification The license checked against the state database	✓ TX, FL, CA, WA, OR, IL, CO, AZ, CT, AR, VA and OH state databases; licenses in every state tracked by expiration	✗ Not mentioned on its site
Endorsement forms read Additional insured, waiver, primary and noncontributory	✓ Read by ISO form number — Pro	Not described on its site
Premium audit report Was every sub insured, every day of the policy period?	✓ Coverage by day for each line, gaps named, evidence ZIP — Pro	Not described on its site
Why a sub is non-compliant What's missing, in words	✓ Each red badge lists the reasons and the tab that fixes them — every plan	Not described on its site
QuickBooks Online Compliance where you pay subs	✓ Status on the matched vendor record — Pro	Not described on its site
Calendar feed Deadlines in the calendar you already use	✓ Google, Outlook or Apple Calendar — Starter and up	Not described on its site
Any mix of third parties Contractors, vendors, tenants, renters in one roster	✓ Each on its own list (Pro); every job, site or property with its own coverage (Starter and up) and documents (Pro)	✓ Construction, real estate, retail & franchise, utilities, government, manufacturing, transportation
Who makes the compliance call Software, a person, or both	AI reads and checks against your rules; you decide	✓ Lumie decides; unresolved items go to a reviewer; human oversight available
W-9 collection and reading Collected with the COI, read for you	✓ Name, tax classification, TIN type and last four read by AI — every plan	Not described on its site
Safety documents read The EMR letter and OSHA 300A, for vetting a sub	✓ EMR read; TRIR and DART worked out from the 300A; over your maximum flagged — Starter and up	Not described on its site
Renewal reminders to the sub Before each certificate expires	✓ 90/60/30/7 days, with the upload link — Starter and up; weekly digest on every plan	Lumie reaches out to partners itself
Track record How long the product has been in the category	Newer — try it free on your own roster	✓ Built on 16 years of myCOI compliance work
Bulk import Bring your roster and certificates across	✓ Spreadsheet, or a ZIP of certificates read one by one — Starter and up	Not described on its site
Data export Take everything out, any time	✓ Full data export on every plan; Excel and PDF reports on Pro	Not described on its site
API and webhooks Connect compliance to your own systems	✓ REST API, REST hooks and signed webhooks — Pro	Not described on its site
Ready-made integrations No code required	✓ QuickBooks Online, Zapier and Make — Pro	Partial An integrations page; one construction platform named

myCOI's column is taken from its own website, checked October 2026. Features change — confirm anything that decides it for you on a call with them.

Start free — no sales call → Comparing more than two tools? See all six side by side.

Why teams look for a myCOI alternative

myCOI has been in this category longer than almost anyone. The reasons to look elsewhere are about how it's bought now, and what it checks.

The price comes after a demo

illumend's site has an ROI calculator but no prices, and every "Get Started" leads to a demo. TrackMyVendor's plans are on the pricing page, starting with a free plan that you can load yourself today.

You may be evaluating a product mid-rebrand

mycoitracking.com now redirects to illumend, while existing myCOI customers still sign in to the original portal. If you are a current customer, it is worth asking which product your contract covers and what moving to illumend involves. If you are new, ask what you would be buying. TrackMyVendor is one product with one plan comparison.

The certificate is checked; the license isn't

illumend's site describes reviewing certificates, not contractor licenses. A sub can hold a perfectly good certificate while their state license is expired or suspended. TrackMyVendor checks the license against the state database and keeps the board's current status beside the certificate.

Import, export and the API aren't described

illumend's site doesn't say how you bring your roster in, take your data out, or connect it to your own systems. TrackMyVendor imports a spreadsheet or a ZIP of certificates, exports everything on every plan, and has a REST API with webhooks on Pro.

When myCOI is the better choice

For some buyers myCOI is simply the better product. If one of these is the deciding factor, stay with it.

✓

Track record is part of your diligence

illumend is built on sixteen years of myCOI's compliance work, and that history is a real asset when a procurement or risk team asks how long a vendor has been around. TrackMyVendor is newer; the honest test is to run it free on your own roster.

✓

You want the software to make the call

Lumie makes each compliance decision and escalates only what it can't resolve, and illumend offers human oversight and workflow audits on top. TrackMyVendor reads every certificate and checks it against your requirements, but the final call is yours.

✓

You want the chasing done for you

illumend says Lumie reaches out to your partners itself and escalates what it can't resolve. TrackMyVendor sends reminders with an upload link automatically (Starter and up), but any follow-up beyond that is your team's.

✓

Your myCOI setup is already doing its job

If your requirements are configured, your vendors know the process and renewals are flowing, the cost of moving is real. Switch when something is actually broken, not because a newer tool exists.

Switching from myCOI to TrackMyVendor

A migration is two files — the vendor list and the certificates — and an afternoon.

1

Get your records out of myCOI

Ask your myCOI or illumend account team for your vendor list as a spreadsheet and your current certificates as files before you cancel; illumend's site doesn't describe a self-serve export.
2

Recreate your requirements

Note the requirement sets Lumie checks certificates against — limits by coverage, endorsements, any differences by location — and set them as coverage rules.
3

Import the roster and the certificates

The vendor list as a spreadsheet, then the certificates as a ZIP; each one is read and filed under its contractor. Import and export (Starter and up).
4

Ask for whatever is missing

Subs without a current document get a one-time upload link. No account.
5

Keep your data portable

Full export on every plan; the REST API and webhooks on Pro.

Check your renewal date before you switch. In the meantime you can run TrackMyVendor free on part of your roster alongside it and compare the two on your real roster.

TrackMyVendor pricing, on the page

illumend prices after a demo. Every TrackMyVendor plan is on the pricing page — a free plan and flat monthly plans — with a 30-day trial on paid plans and no sales call.

Compare plans

Frequently asked questions

Is myCOI now illumend?

Yes. mycoitracking.com redirects to illumend.ai, which describes illumend as the AI-native insurance compliance platform from myCOI, built around an AI called Lumie. Existing myCOI customers still have a sign-in for the original platform.

How much does myCOI cost?

Neither myCOI nor illumend publishes prices. illumend's site has an ROI calculator, and its calls to action lead to a demo. TrackMyVendor's prices are on its pricing page, starting with a free plan.

Does myCOI verify contractor licenses?

illumend's site doesn't mention license verification; it describes reviewing certificates of insurance. TrackMyVendor checks the license with the state board and shows its current status beside the certificate. How license verification works.

What does illumend do that TrackMyVendor doesn't?

Its AI, Lumie, makes the compliance decision on each certificate and escalates only what it can't resolve, with human oversight and workflow audits available from its team. It also draws on sixteen years of myCOI's compliance history. TrackMyVendor reads and checks every certificate against your rules but leaves the decision with you.

How do I switch from myCOI to TrackMyVendor?

Ask your myCOI or illumend account team for your vendor list as a spreadsheet and your current certificates as files. Import the list into TrackMyVendor, upload the certificates as a ZIP so each is read and filed under its contractor, then send upload links to anyone missing a current document. Import and export in detail.

Does illumend have people reviewing certificates?

Partly. Lumie makes each decision itself and escalates what it can't resolve to a reviewer, and illumend says human oversight can be added and that its experts help audit your workflow. TrackMyVendor's AI reads and checks every certificate; the decisions stay with your team.

No demo. No implementation project.

Import your subs, read their certificates, check their licenses and send the first upload links today. Start free; paid plans come with a 30-day trial.

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