Comparison

Jones vs. Illumend (formerly myCOI)

Q: Is myCOI still available, or is it Illumend now?

Illumend is myCOI’s platform going forward. Launched in May 2025 and described in the company’s own materials as “illumend, from myCOI,” it is where mycoitracking.com now points visitors. Teams evaluating myCOI today are evaluating Illumend.

Q: What is Lumie?

Lumie is the AI engine inside Illumend. According to illumend.ai, it reviews incoming certificates and endorsements, checks coverage against contract or lease requirements, flags gaps, and keeps renewals moving, with human specialists handling exceptions.

Q: Does Illumend integrate with MRI, Yardi, Sage, Vista, or CMiC?

As of August 2026, the illumend.ai integrations page lists Procore and an open API. An open API can be used to build custom connections, which is different from an embedded, maintained integration. If any of these systems is core to your workflow, ask for a live demo of the connection during evaluation.

Q: How long does Jones take to set up?

It depends on portfolio size and integrations, so we scope it per customer instead of quoting a generic number. Two things consistently shorten it: vendors already in the Jones Network start pre-populated with current documents, and vendors never need to create accounts or learn a portal, which removes the slowest part of most transitions.

Q: Both platforms use AI. What’s actually different about the review?

What the AI was built to read. Extracting policy numbers, dates, and limits from a certificate is the easy step. The step that decides claims is interpreting the language behind it: whether the endorsement actually responds, what the schedule of forms removes, whether coverage survives past project completion. Jones trained its AI agents on tens of millions of COIs and 50,000+ insurance rules to do that reading, with insurance experts validating the edge cases. In any demo, pressure-test the endorsement-level review for your vertical, not whether AI reads the certificate.

Q: Which is better for construction or commercial real estate?

If your compliance program spans many industries, Illumend’s generalist approach may fit. If your entire risk surface is construction and CRE, Jones was built exclusively for it: the audit methodology, the integrations, and the vendor communication are all designed around how coverage actually fails in these verticals.

Two platforms, compared through the lenses that decide these purchases: turnaround time, auditing depth, vendor experience, integrations, and pricing.

Recommended

Updated August 2026. Every claim about Illumend on this page references their public website, launch announcements, and review platforms as of the date above.

First, what happened to myCOI?

In May 2025, myCOI launched Illumend, a new AI-powered compliance platform built on 16 years of myCOI experience. Its AI engine, Lumie, reviews insurance documents, flags coverage gaps, automates renewals, and uses human specialists for exceptions.

Side-by-side comparison

Winner

Vertical focusJones: Construction & CRE onlyIllumend: 8 industries

Key difference

Illumend supports eight industries, including construction, retail, government, and healthcare, while Jones focuses exclusively on construction and CRE. Specialization shapes everything downstream: requirements libraries, audit methodology, and vendor communication are all built around how coverage fails in these two verticals.

Service modelJones: AI + insurance expertsIllumend: AI-first review

Key difference

Illumend is an AI-first platform: Lumie runs the review, and human specialists step in on exceptions. Jones runs the Full Scale Model: AI agents trained on insurance logic handle the audit, and insurance experts validate the edge cases on every document. The practical question for any demo is who looks at the documents that are not flagged as exceptions.

TurnaroundJones: Full audit <24 hoursIllumend: Real-time AI scoring

Key difference

Illumend advertises real-time AI compliance scoring; a turnaround for human-reviewed exceptions is not published. Jones returns an AI compliance snapshot in seconds and a full expert-reviewed audit in under 24 hours.

AI capabilitiesJones: Insurance-trained AI agentsIllumend: Lumie AI engine

Key difference

Lumie, launched in May 2025 and built on myCOI’s 16 years of compliance history, reviews certificates and endorsements, flags coverage gaps, and automates renewal follow-up. Jones AI agents are trained on tens of millions of COIs and 50,000+ insurance rules to read the policy language behind the certificate, not just extract fields, with insurance experts validating the output.

IntegrationsJones: 7+ native integrationsIllumend: Procore + open API

Key difference

As of August 2026, the illumend.ai integrations page lists Procore and an open API. An open API can power custom builds, which is different from an embedded, maintained integration. Jones ships native, bi-directional connections to Procore, MRI, Yardi, Sage, Vista, and CMiC, so compliance status lands where teams already work.

PricingJones: Simple usage-based pricingIllumend: Custom pricing

Key difference

llumend does not publish pricing; quotes are customized based on needs and scope. Jones uses simple usage-based pricing: a fee per record, with unlimited users, audits, and support included, and volume discounts available for enterprise portfolios.

ImplementationJones: Hands-on implementationIllumend: Quick-setup positioning

Key difference

Illumend positions setup as fast and friction-free, with one-click, no-login uploads for vendors; the implementation process for complex portfolios is not published. Jones onboarding is led by the Jones team, and the Jones Network of 130,000+ vendor profiles pre-populates records for faster time to value.

SupportJones: Dedicated CSM + supportIllumend: AI + Human Support

Key difference

Illumend pairs AI-powered support with human specialists behind it; support channels and tiers are not detailed publicly. Every Jones plan includes a dedicated Customer Success Manager, chat for all customers, phone support, and an AI support agent that helps vendors resolve coverage gaps on their side.

See the difference on your own COIs

Bring a real COI and see what a full audit reveals.

Features Jones ships
that Illumend doesn't

AI Compliance Snapshot

Know What Needs
Attention, Instantly

Get an instant AI snapshot, expert-reviewed for quality, with full COI audits completed in under 24 hours.

AI Support Agent

Catch The Risks
Automation Misses

AI-powered audits guided by experts catch exclusions, endorsements, and hidden risks automation alone can miss.

Compliance Status Inside Procore

Keep Compliance
In Your Workflow

Simplify certificates and renewals, reduce communication, and keep teams working from the same data.

The Jones Network

Find Vendors Without
The Back-And-Forth

Access 130,000+ vendor profiles with verified contacts and no login required.

Success Stories

“It gives me absolute peace of mind that at any time I can go into my Jones account and get full visibility into our subcontractors’ insurance. I can easily access key stats such as compliance and collection rates, as well as how many times subcontractors have been contacted to remedy any coverage gaps they might have."

Jane Haninger Martin

Director Litigation and Risk

Compliance increased

~ 0 %

Records supported at scale while maintaining performance

0 +

Proof, not positioning

Jones has been recognized as a Leader in COI tracking by CB Insights, market validation for the depth-over-breadth approach, and has completed an independent SOC 2 examination.

Success Stories

"We’ve seen a big improvement in COI review quality and speed. Our previous platform would take up to a week to review a COI, whereas Jones does it in 24 hours. Jones’ ease of use, data transparency and top-notch support contributed to improving our third-party compliance rate, which is much higher than we’ve ever had."

Jill Ott

Operations Analyst

How pricing works

Simple, usage-based pricing

Pay per record with unlimited users, audits, and support included. Volume discounts are available for enterprise portfolios.

Custom pricing

Pricing isn’t publicly available. Quotes are customized based on your needs and scope.

Switching to Jones from Illumend

Teams usually worry that switching means losing history or re-collecting every document. The onboarding process is built to prevent both:

Week 1

Requirements setup

Your insurance requirements, by vendor type and risk profile, are configured with the Jones team so the audit standard matches your contracts from day one.

Week 2

Data and document import

Your existing vendor list, certificates, and compliance history come with you. Vendors already in the Jones Network start pre-populated, with current documents and compliance history on file.

Week 3-4

Integration configuration

Procore, MRI, Yardi, Sage, Vista, or CMiC connections are set up so compliance status lands where your team already works.

Week 5+

Vendor transition

Jones takes over outreach with branded, no-login communication, and an AI support agent that explains gaps to vendors and helps them respond, so the switch doesn't create friction on their side.

See what switching to Jones
could look like

Walk through Jones using the workflows and compliance challenges your team deals with today.

Frequently asked questions

Is myCOI still available, or is it Illumend now?

Illumend is myCOI’s platform going forward. Launched in May 2025 and described in the company’s own materials as “illumend, from myCOI,” it is where mycoitracking.com now points visitors. Teams evaluating myCOI today are evaluating Illumend.

What is Lumie?

Lumie is the AI engine inside Illumend. According to illumend.ai, it reviews incoming certificates and endorsements, checks coverage against contract or lease requirements, flags gaps, and keeps renewals moving, with human specialists handling exceptions.

Does Illumend integrate with MRI, Yardi, Sage, Vista, or CMiC?

As of August 2026, the illumend.ai integrations page lists Procore and an open API. An open API can be used to build custom connections, which is different from an embedded, maintained integration. If any of these systems is core to your workflow, ask for a live demo of the connection during evaluation.

How long does Jones take to set up?

It depends on portfolio size and integrations, so we scope it per customer instead of quoting a generic number. Two things consistently shorten it: vendors already in the Jones Network start pre-populated with current documents, and vendors never need to create accounts or learn a portal, which removes the slowest part of most transitions.

Both platforms use AI. What’s actually different about the review?

What the AI was built to read. Extracting policy numbers, dates, and limits from a certificate is the easy step. The step that decides claims is interpreting the language behind it: whether the endorsement actually responds, what the schedule of forms removes, whether coverage survives past project completion. Jones trained its AI agents on tens of millions of COIs and 50,000+ insurance rules to do that reading, with insurance experts validating the edge cases. In any demo, pressure-test the endorsement-level review for your vertical, not whether AI reads the certificate.

Which is better for construction or commercial real estate?

If your compliance program spans many industries, Illumend’s generalist approach may fit. If your entire risk surface is construction and CRE, Jones was built exclusively for it: the audit methodology, the integrations, and the vendor communication are all designed around how coverage actually fails in these verticals.

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