As AI becomes more commonplace across COI tracking platforms, Nunery urges non-insurance professionals to evaluate whether the technology offers stronger compliance decisions, clearer guidance, and more consistent risk oversight.
indianapolis, April 27, 2026 /PRNewswire/ — As artificial intelligence becomes standard billing for certificate of insurance (COI) tracking software, says CEO Kristen Nunnally. illuminateis a next-generation AI platform that redefines how enterprises manage third-party risk and insurance compliance, encouraging buyers to judge a platform not just by whether it speeds document reviews, but by whether it improves compliance decisions.
Nunery’s core message for organizations evaluating AI-powered COI tracking is that “faster reviews reduce manual effort, but better compliance intelligence helps teams make stronger, more consistent risk decisions.”
In a new article titled “AI in COI tracking is ubiquitous, but without meaningful results.” Nunery argues that the real test of AI-powered COI tracking is not whether a platform uses AI. What matters is how it helps users make better compliance decisions over time and with confidence, including interpreting insurance requirements, identifying coverage gaps, guiding next steps, resolving vendor issues, and managing third-party compliance risks.
“As AI-powered COI tracking becomes more common, there is a split in the market. Some platforms are using AI to move documents faster, while others are using it to improve compliance decisions,” said Kristen Nunnally, CEO of illumend. “That’s the difference that people, especially the non-insurance professionals who choose and use these systems, need to be aware of. Speeding reviews alone won’t reduce risk when coverage interpretations are inconsistent or incorrect. The real value of AI in COI tracking is improved decision-making quality, stronger alignment with contractual requirements, and more consistent monitoring of third-party insurance documentation.”
Many platforms now emphasize fast extraction, fast comparison, and fast document processing using AI. These features reduce manual effort, especially in high-volume environments. But Nunnery argues that speed alone will not solve the core challenge of third-party insurance compliance.
The issue is not just quantity. This is the complexity of interpreting various certifications, approvals, schedules, supporting documents, and contractual requirements, and is often the responsibility of operational, financial, human resources, project management and management teams who are not insurance experts. Requirements may vary across contracts, vendors, and projects, and critical information may span multiple deliverables. Without proper guidance, teams can struggle to consistently review documents, resolve issues efficiently, and maintain risk visibility over time.
This makes AI-powered COI tracking especially important for non-insurance professionals responsible for vendor compliance, subcontractor compliance, risk management, procurement, operations, or management reviews. Nunery says these users often need software that does more than just read documents. She says we need technology that explains what’s important, shows us what’s missing, and empowers us to act with confidence.
From a practical standpoint, Nunery says buyers evaluating AI-powered COI tracking software should ask these five questions:
- Can the platform interpret insurance requirements in the context of contracts, vendors, and projects?
- Can you identify missing, inadequate, or non-compliant coverage before these gaps create risk?
- Can we guide uninsured users to the next best option?
- Will your team be able to communicate more clearly with vendors and third parties?
- Can you maintain visibility into expirations, exceptions, open issues, and compliance status as it changes over time?
“Review acceleration models are all about speed; compliance intelligence models are all about judgment,” Nunery said. “The long-term value of AI in COI tracking comes from not only helping documents move faster, but also from helping organizations make better decisions more consistently.”
Illumend’s platform is designed around that standard. Built as an AI-native system for third-party insurance compliance, illusmend helps organizations move beyond document collection toward clearer interpretation, stronger consistency, guided actions, and measurable risk reduction across the compliance lifecycle.
Illumend defines compliance intelligence as the ability to combine insurance document review, contractual requirement interpretation, risk flagging, workflow guidance, and continuous compliance visibility into one system.
ILLUMEND’s approach is based on extensive operational experience. Built on myCOI, illusmend leverages a history of processing over 45 million documents, managing over 1.2 million contracts, clearing over 750,000 third-party partner transactions, and identifying over 2 million coverage gaps before a claim occurs.
For operational leaders, management teams, and risk leaders, the distinction between AI document processing and AI compliance intelligence can have far-reaching business implications, according to Nunery. Platforms that provide compliance intelligence can reduce friction in vendor management, improve confidence in decision-making, support more consistent third-party oversight, and reduce the risk of costly claims, she says.
“The question is no longer whether the COI tracking platform has AI in it,” Nunnery said. “The better question is whether that AI helps people make better compliance decisions. This is the standard that buyers should apply when evaluating the next generation of third-party insurance compliance technology.”
To read Nunery’s full article, please visit: https://www.linkedin.com/pulse/ai-coi-tracking-everywhere-meaningful-outcomes-kristen-nunery-rihac.
To learn more about Illumend’s approach to third-party insurance compliance intelligence, please visit: https://www.illumend.ai.
About Ilmendo
Founded in 2025, Irumand™ is an AI-powered platform that redefines how businesses manage third-party insurance compliance and risk. Backed by myCOI, a leader in third-party insurance compliance management with 16 years of expertise, Illumend is reimagining compliance by guiding you through every step of the process, from document review and expiration tracking to risk flagging, communication, and resolution, all within one intuitive system. Built on myCOI’s institutional foundation (processing over 45 million documents, managing over 1.2 million contracts, liquidating over 750,000 third-party partners, and identifying over 2 million coverage gaps before claims), Ilumend brings this depth of compliance intelligence to its AI-native platform. At its core is Lumie, illumend’s conversational AI guide that reads complex insurance documents, flags issues in real-time, and explains them in language anyone can act on. If you would like to learn more please visit: https://www.illumend.ai.
Media contact:
michael tebo
Gabriel Marketing Group (for Irumand)
Phone: 571-835-8775
Email: [email protected]
Source Ilmendo
