myCOI alternatives — and what changed when it became illumend
First, the name: myCOI now leads with the illumend brand — their site calls itself “the AI-native insurance compliance platform from myCOI” and mycoitracking.com redirects there. (The unrelated domain mycoi.com belongs to a different company entirely.) If you're comparing alternatives, here is what each tool's own site says — pricing, scope, free tiers, and review model — retrieved August 12, 2026, with sources linked.
| Tool | Documents covered | Pricing on their site | Free tier / trial | Review model |
|---|---|---|---|---|
| SubLien | COIs + W-9s + lien waivers | Published: $199 / $399 / $799 per month, billed quarterly or annually | No free tier; 15-minute demo, no card to book | AI extracts fields; your own team records each decision |
| illumend (myCOI) | COIs & endorsements | Not published (as of retrieval) | None stated; demo-led | AI-first (“Lumie”), human exception handling |
| bcs | COIs; stores W-9s & contracts | Published: free ≤25 vendors; $0.95/vendor/mo self-service; $17.80/vendor/yr full-service ($10,000 annual minimum) | Free up to 25 vendors, permanent | Self-service, or their compliance-analyst team on Full-Service |
| TrustLayer | COIs, W-9s, licenses, contracts, custom docs | Not published (as of retrieval) | Free ≤50 vendors; “complete compliance logic is reserved for Pro” | AI classification & coverage matching |
| Certificial | COIs (live network model) | Published: free ≤5 suppliers; Professional from $99/mo | Free for insureds, agents, and small requestors | Continuous verification through its agent network |
| SmartCompliance | COIs & endorsements | Not published (as of retrieval) | None stated; 30-day refund guarantee | OCR-based extraction (their description) |
| Jones | COIs & vendor prequalification | Not published; flat annual fee per record, never charges your vendors | None stated; demo-led | “Expert-led” — AI plus their review team |
How to choose, honestly
If COI tracking is your whole problem and you want a free start: bcs is free up to 25 vendors and publishes per-vendor rates past that; TrustLayer's Starter tier is free up to 50 vendors, with its complete compliance logic reserved for paid accounts. Both are credible COI-first choices.
If you want to outsource the review itself: Jones sells expert-led review for the enterprise, and bcs's Full-Service tier includes professional document review by their compliance-analyst team ($17.80 per vendor annually, $10,000 minimum). SubLien doesn't offer outsourced review — AI extracts the fields, and someone on your team records each decision under their own name.
If certificates are only a third of your chase: this is the case SubLien is built for. The same subs who owe you a certificate owe you a W-9 and a signed lien waiver before the check goes out — and a COI-only tool can't tell you, per vendor at payment time, that all three are on file. SubLien holds the three together, on flat published plans ($199, $399 or $799 a month — every feature on every plan, unlimited users and vendors), works standalone over email, and connects to Procore and QuickBooks Online for free if you use them.
Where SubLien is not the right fit
- There is no free tier and no self-serve trial — the 15-minute demo is the trial, run on your own paperwork, and a one-time onboarding fee applies (quoted on the call, before anyone asks for a card).
- No outsourced human review team — your own staff records every decision.
- No real-time carrier-connected verification: SubLien reviews the documents your subs upload, point in time; Certificial's network model updates from the agent side.
- Integrations are Procore and QuickBooks Online — not the broader catalogs some incumbents advertise.
- We're young: no long third-party review history to point to yet. What you can check without asking us is at /verify and /security.