Comparison
myCertGate vs myCOI (now illumend)
myCOI has rebranded as illumend, an AI-guided insurance compliance platform built on 16 years of myCOI experience. Here's how it compares with myCertGate, using only what each company publishes.
By Abdul Moeed, Founder & CEO · Updated
At a glance
| myCertGate | illumend (myCOI) | |
|---|---|---|
| Public pricing | Published on our pricing page, free trial with sample data | Not listed — demo requested via their site |
| AI document review | AI reads ACORD 25/28 in about a minute; a person approves every result | Yes — AI assistant “Lumie” guides the workflow |
| Scale | Built for small and mid-size GCs, property managers and lenders | States 45M+ insurance documents managed |
| Payment holds | Yes — payments held until COI, lien waiver and W-9 pass; overrides logged | Not stated on their public site |
| Lien waivers | Yes — conditional/unconditional waivers with e-signature | Not stated on their public site |
| Tier-2 subcontractors | Yes — Tier-2 subs under the same rules | Not stated on their public site |
When illumend may fit better
- You want a long-established vendor with a large existing customer base.
- You prefer a guided, sales-led onboarding with a demo.
- Your main need is insurance compliance only, across many industries.
When myCertGate may fit better
- You want to see prices and limits before talking to sales.
- You need payment holds that stop non-compliant vendors from being paid.
- You want COIs, lien waivers and W-9s in one place, including Tier-2 subs.
A note on this comparison
We built myCertGate, so we're not neutral. We've only listed what illumend publishes on its own website, checked on the date shown. If something is out of date, tell us through the contact page and we'll correct it.
Stop chasing certificates by hand
myCertGate reads every COI, tracks every renewal and holds payment until insurance, lien waiver and W-9 all pass.
Related reading
Sources — myCOI (now illumend) facts checked on November 9, 2026
Product names belong to their owners. Pricing and features change — check each vendor's site before deciding.