SmartCOI vs myCOI

No minimums — built for firms of any size. myCOI requires a minimum of 200 incoming certificates, which prices out many mid-market property management firms. SmartCOI works whether you manage 5 properties or 50. You shouldn't need to hit an arbitrary threshold just to track insurance compliance.

Transparent, simple pricing. SmartCOI publishes clear per-certificate tiers: Starter at $79/month, Growth at $149/month, Professional at $249/month. You know what you'll pay before you talk to anyone. myCOI uses multi-factor pricing that depends on certificate volume, features, and other variables — you won't know the cost until you go through a sales process.

Self-serve from day one. Sign up, upload your COIs, and get compliance results immediately. No mandatory sales calls, no lengthy onboarding, no waiting for an implementation team. myCOI's sales-led process means weeks between "I'm interested" and "I'm using the software."

Purpose-built for commercial real estate. SmartCOI is designed specifically for property managers tracking vendor and tenant COIs. Every feature, workflow, and default is optimized for CRE. myCOI serves construction, government, utilities, and manufacturing alongside real estate — a generalist approach that means the product isn't tailored to any single industry's needs.

Bulk upload with instant AI extraction. Upload 50 COIs at once and get a fully populated, compliance-checked dashboard in minutes. SmartCOI's AI extracts vendor names, coverage types, limits, and expiration dates from every certificate simultaneously. myCOI's traditional approach involves more manual setup and a longer time to full compliance visibility.

Modern, lightweight experience. SmartCOI is a modern application built for speed and simplicity. myCOI is a 15-year-old platform that recently bolted on AI features with their "Lumie" assistant. There's a difference between AI-native and AI-added.

15+ years of industry experience. myCOI has been in the COI tracking space since 2009. That longevity means deep insurance domain expertise, established processes, and a track record with enterprise clients. For organizations that value proven vendors with long histories, myCOI has the edge.

Larger integration ecosystem. myCOI integrates with Procore, MRI Software, Sage, Viewpoint Vista, and CMiC. For organizations that need COI data flowing directly into construction or property management platforms, myCOI's integration library is more extensive today.

Insurance professionals on staff. myCOI employs a team of insurance professionals who manually review certificates alongside their AI. For complex certificates or edge cases where human judgment matters, having trained insurance reviewers adds a layer of confidence.

Established enterprise customer base. myCOI serves large organizations including JLL-sized enterprise clients. Their vendor network and customer base are larger, which can matter for organizations that value ecosystem scale.

Multi-industry support. If your organization tracks COIs across real estate, construction, government, and utilities, myCOI's generalist approach covers all of those verticals in a single platform.

Choose SmartCOI if you are a mid-market commercial real estate firm that wants to get started immediately with transparent pricing, no minimums, and instant AI-powered extraction. SmartCOI is built for property managers who want a modern, right-sized tool — not an enterprise platform they have to grow into.

Choose myCOI if you are a large enterprise with 200+ certificates, need deep integrations with Procore, Sage, or Viewpoint, want human insurance professionals reviewing your certificates, or track COIs across multiple industries beyond real estate.