CompliCloud vs myCOI: which fits a small crew?
myCOI — now rebranded as illumend — is a serious compliance platform with strong reviews. But if you're a small GC or trades business tracking 5 to 50 subs, you may be shopping in the wrong aisle. Here's how the two compare, verified against both companies' websites (and Capterra) in July 2026.
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Right now your COIs probably live in a spreadsheet, a shared drive, and your inbox — and every renewal season turns into a week of chasing subs by phone. So you searched for COI tracking software, found myCOI, and hit a wall: no pricing page, and the main buttons — Get Started, Schedule Demo — all lead to a demo-request form. If you run a small crew, that's usually the moment you start looking for an alternative.
First, credit where it's due: myCOI is a real, well-regarded company. It has rebranded — mycoitracking.com now redirects to illumend.ai, where the product is presented as “illumend, from myCOI,” an AI-native platform built on 16 years of compliance expertise. Their site says they manage 45M+ insurance documents for companies across eight industries, from construction and commercial real estate to healthcare and transportation. If you have a compliance analyst on staff and hundreds of certificates to manage, they deserve a look.
But different tools fit different sizes. myCOI/illumend doesn't publish its prices (as of July 2026) — you request a demo to discuss them — and there's no self-serve signup on their site. CompliCloud was built for the other end of the market: the small GC, trades business, or property manager with roughly 5 to 50 subs who wants to see the price on the website, start a free 7-day trial today, and never sit through a sales call. One thing to know up front, in the same spirit of straight answers: CompliCloud's trial and Pro plans track your own company's documents, and tracking your subcontractors' COIs is the Business plan at $49/mo. This page lays out the verified differences so you can pick the right tool for your size.
Side by side
Published pricing
CompliCloudYes — Pro $19/mo (billed $228/yr) and Business $49/mo (billed $588/yr), listed right on the site
myCOI (now illumend)No pricing page on their website — you request a demo to discuss pricing (as of July 2026)
Free option
CompliCloudA free 7-day trial with 3 documents — no card needed
myCOI (now illumend)No free plan advertised on their site; their copy mentions a free 60-day trial, but there's no signup button for it
Getting started
CompliCloudSelf-serve: sign up and upload your first COI today
myCOI (now illumend)Sales-led: the primary buttons — “Get Started” and “Schedule Demo” — lead to a demo-request form
Service model
CompliCloudSoftware you run yourself
myCOI (now illumend)Two tiers described on their site: Essentials (self-managed software) and Concierge (full-service, with their insurance professionals) — no prices attached to either
How subs submit COIs
CompliCloudNo-login upload links — subs drop their COI straight in, no account, no password (Business plan, $49/mo)
myCOI (now illumend)By email or a simple upload form — their construction page says “No logins required, no portals to learn.”
Certificate review
CompliCloudAssisted. Upload a certificate and CompliCloud reads it for you — insurer, policy number, coverage limit and expiry date are filled in automatically for you to confirm. It then checks each document against the limits you set and flags anything under them, or anything where the limit could not be read. It does not review endorsements (additional insured, waiver of subrogation) — you or your broker still confirm those
myCOI (now illumend)Their AI “Lumie” reviews 100% of COIs automatically, with humans on edge cases; per their site, teams that want more human oversight can add it to their subscription package
Expiry alerts
CompliCloudEmails at 90, 60, 30, and 7 days before expiry on Pro and Business (the trial alerts 30 days ahead), plus automatic alerts when a sub lapses on Business
myCOI (now illumend)Their products page says “Lumie manages reminders and follow-ups, cutting out endless back-and-forth”; a specific expiry-alert schedule isn't published
Proving compliance to your clients
CompliCloudNo-login share links: clients and auditors see live proof of validity, not your files, and never need an account
myCOI (now illumend)Their published pages focus on tracking certificates coming in from your partners; we didn't assess client-facing proof links
Integrations
CompliCloudNone — CompliCloud is a simple standalone tracker
myCOI (now illumend)Native two-way Procore integration plus an Open API (a way to connect other software); Sage, Viewpoint, CMiC, Origami Risk, and Salesforce listed as “Coming Soon”
Minimums
CompliCloudNo certificate minimums — every plan starts with a free 7-day trial
myCOI (now illumend)Not published — no minimums or contract terms appear on their site (as of July 2026)
Mobile app
CompliCloudComing soon — an iPhone app (scan certificates with your camera) is listed on the site but not yet in the App Store
myCOI (now illumend)Not covered in our review of their site — ask their team
Built for
CompliCloudSmall GCs, trades businesses, and small property managers with roughly 5–50 subs
myCOI (now illumend)Per their site: companies across construction, commercial real estate, retail, utilities, government, manufacturing, transportation, and healthcare — 45M+ insurance documents managed — with pages aimed at compliance analysts, CFOs, and CTOs
When myCOI/illumend is the right call
Pick myCOI/illumend if compliance is somebody's actual job at your company. If you have a compliance analyst, risk manager, or back-office team handling a large volume of certificates, their platform is built around exactly that: their AI, Lumie, reviews every COI and endorsement automatically — “decisions in minutes, not weeks” — and their site claims teams cut admin time by up to 87% versus a manual process. If you'd rather hand the whole thing off, their Concierge tier adds their own insurance professionals as an extension of your team, something CompliCloud simply doesn't offer. If you run jobs through Procore, their native two-way sync (plus an Open API for connecting other tools) is a real advantage. And they've earned their reputation: 4.7 stars from 47 reviews on Capterra as of July 2026. If a sales demo and a custom quote don't bother you — and at a certain size, they shouldn't — myCOI/illumend is a strong choice.
When CompliCloud is the right call
Pick CompliCloud if you're the one doing the tracking — a small GC, trades business, or property manager with roughly 5 to 50 subs, no compliance department, and no patience for sales calls. Every price is on the website ($19/mo Pro, $49/mo Business), you can start a free 7-day trial without entering a card, and you can be set up the same afternoon. On the paid plans you get emails at 90, 60, 30, and 7 days before anything expires (the trial alerts 30 days ahead), and on Business your subs get a no-login upload link instead of another portal password — with automatic alerts if their coverage lapses. When a client or auditor asks for proof, you send a share link that shows live status, no account needed on their end either. It's a simple tool for a real-world size of business, and if you outgrow it, tools like myCOI/illumend will be waiting.
Questions
Is there a cheaper alternative to myCOI?
Honestly, we can't compare dollar-for-dollar, because myCOI/illumend doesn't publish pricing anywhere on its website — you request a demo to discuss it (as of July 2026). What we can say: CompliCloud publishes everything — a free 7-day trial, then $19/mo for Pro and $49/mo for Business, which is the plan that adds subcontractor COI tracking. For a small contractor, knowing the price before you talk to anyone is half the point.
What's the difference between CompliCloud and myCOI?
Mostly size and sales model. myCOI (now illumend) is a sales-led platform managing 45M+ insurance documents (their figure) across eight industries, with AI-automated certificate review and an optional full-service Concierge tier — but no published pricing and no self-serve signup on their site. CompliCloud is a self-serve tracker built for small GCs, trades businesses, and property managers with 5–50 subs: pricing published from free to $49/mo, no-login upload links for subs on the Business plan, and expiry alerts at 90/60/30/7 days on paid plans (30-day alerts on free).
Did myCOI change its name?
Yes. As of July 2026, mycoitracking.com redirects entirely to illumend.ai, where the product is presented as “illumend, from myCOI” — an AI-native insurance compliance platform whose AI engine is called Lumie. It's the same company, and the product is now presented under the illumend brand.
How much does myCOI cost?
They don't say publicly. There's no pricing page on illumend.ai, and an article on their site describes two tiers — Essentials (self-managed software) and Concierge (full-service with their insurance professionals) — without any dollar amounts (as of July 2026). The primary buttons on their site lead to a demo request, so the only route their website offers is talking to their team.
Do subcontractors need to create an account to submit a COI?
Not with either tool, to each company's credit. myCOI/illumend's construction page says subs “simply email it or upload it through a simple form. No logins required, no portals to learn.” CompliCloud's Business plan gives each sub a personal no-login upload link: they drop their COI straight in — no account, no password, no email chain — and you get an automatic alert if their coverage lapses.
Does myCOI have a free trial or free plan?
Their site doesn't advertise a free plan. Their copy does mention a free 60-day trial, but there's no signup button for it — the primary calls-to-action on illumend.ai lead to the demo-request form (as of July 2026), so the trial appears to run through their sales process.
Every myCOI/illumend detail on this page was verified against illumend.ai (myCOI's own website, which mycoitracking.com now redirects to) and public review sites on July 18, 2026. Their product, plans, and site change over time, so check illumend.ai for the latest before deciding. myCOI, illumend, Lumie, Procore, and Capterra are trademarks of their respective owners; CompliCloud is not affiliated with, or endorsed by, any of them. Spot something outdated or unfair? Email info@compli-cloud.com and we'll correct it.