Competitor Comparison
myCOI primarily operates as a managed service. A third-party team, not yours, reviews COI submissions on your behalf.
PINS gives your team AI-assisted tools to do that review in-house, keeping approvals, waivers, and exceptions with the people who know your subs, your projects, and your risk tolerance.
Quick comparison
PINS is built for teams that want automation with control. myCOI appeals to teams that want to step back from day-to-day COI review, but exceptions and review friction still pull them back in.
Best for teams that want to keep COI decisions in-house, with AI doing the reading and their own people doing the judgment calls.
Best for teams that don't have the time to handle themselves.
Third-party proof
Review sites point to a familiar pattern: slower turnaround, less visibility into what happens next, and more friction when teams need to manage exceptions.
MyCOI takes longer than I would like to review insurance certificates and to process override requests.
When there is a situation, it’s not always clear what steps have been taken or what still needs to be taken to get compliant COIs.
PINS gives teams more visibility, faster follow-up, and more control over how compliance gets resolved.
Deep comparison
AI reviews every submission and returns findings. Your team makes every decision.
A third-party service team reviews and processes submissions on your behalf.
Your team applies what they already know: which subs to trust, which projects carry more risk, where a waiver makes sense.
The service team works from policy and paperwork alone. They do not carry institutional knowledge of your vendors or projects.
Your team owns every approval, rejection, waiver, and exception, with full context at hand.
Exceptions and waivers escalate back to your team but without the context, history, or tools to make that call efficiently.
AI returns findings immediately. Your team decides on their own schedule.
Turnaround depends on the service team's queue and business hours.
Every decision is logged under the team member who made it.
Decision history reflects the service team's process, not your organization's.
No login required. Vendors upload through a secure link, and AI returns findings right away.
Vendors work with myCOI's service team directly, not with your organization.
Built as an AI-assisted review platform from the ground up.
Outdated interface and full-service customers are not given access.
Transparent, predictable pricing.
Full-service runs 3 to 5 times the cost of PINS.
US-based support team. Dedicated implementation contact, before and after go-live.
Support runs through the managed-service relationship rather than a dedicated product support team.
Need help deciding?
PINS is built for teams moving off myCOI's managed-service model who want to keep review in-house instead of handing it to another outsourced team. Where myCOI's service team reviews on your behalf, without your project history or vendor relationships, PINS gives your own team AI-assisted tools to do that review directly, so approvals, waivers, and exceptions stay with the people who have the context to make them. If you're evaluating alternatives specifically because you want in-house control back, PINS is built around that, not around outsourcing it to a different vendor.
The biggest difference is who stays in control once review starts. PINS helps your team automate collection, reminders, review support, communication, and documentation while keeping approvals, waivers, and exception decisions in-house. myCOI is built around a more hands-off model, which may sound appealing, but usually comes with less visibility and less direct control.
illumend is myCOI's rebranded platform, relaunched in 2026 with a rebuilt system centered on Lumie AI. These are different products. myCOI operated as a managed service, with a team that reviewed COI submissions on behalf of customers. illumend replaced that model with fully automated AI review. No managed service team. The AI decides. If you are specifically evaluating illumend and its Lumie AI engine, see PINS vs illumend.
Yes to both. PINS uses AI to review COIs and supporting documents, flag missing items, and reduce manual work, but your team still decides what gets approved, rejected, waived, or escalated. PINS removes the admin work around collection, follow-up, tracking, and documentation, and keeps your team involved exactly where it matters: exceptions, waivers, and final approval decisions.
PINS keeps communication history, compliance records, and supporting documents in one place, which makes audit prep much easier. Teams can quickly export reports, show what was requested, what was received, what was approved, and where exceptions were made, without digging through inboxes or scattered files.
Stop Reviewing.
Start Approving.
