5 Billy Alternatives for Construction COI Compliance (2026)

Billy has earned real traction in construction compliance, and for clear reasons: purpose-built for GCs, strong integrations with Procore, Autodesk, and Sage, no-login uploads for vendors and brokers, and a model that spans managed services to self-service with an AI review assistant. If you're evaluating alternatives, it's usually for one of three reasons: you want deeper verification than document collection, you want the follow-up — not just the flagging — off your team's plate, or your work spans beyond construction (owners, property portfolios) where a construction-first tool fits awkwardly.

As with any compliance platform, the useful comparison isn't feature lists — it's which of the three jobs each tool actually does: collection (getting documents in), verification (checking coverage and endorsements against your contract), and the chase (multi-round follow-up with subs and agents until gaps close). Here are five alternatives through that lens.

1. myCOI

Model: One of the longest-standing COI platforms — software plus a human review team, construction-leaning with broad industry coverage.

Strong at: Mature review processes, complex requirement sets, enterprise history and references.

Consider: The service-team model sets the pace of reviews and follow-up; ask for turnaround SLAs. Evaluate pricing against your cert volume — several competitors position directly on this.

2. TrustLayer

Model: Collaborative risk management platform with broad adoption beyond construction; emphasizes automated verification and integrations, backed by significant venture funding.

Strong at: Breadth — vendors, tenants, franchisees, subs — and a modern integration surface.

Consider: Breadth cuts both ways; construction-specific workflows (pay-app gating, project-based tracking, wrap handling) deserve a pointed demo. Ask specifically who runs round three of a correction chase.

3. Certificial

Model: A different architecture entirely — instead of tracking static certificates, Certificial connects to the agent/carrier side for real-time coverage data, aiming to replace the certificate request cycle with live verification.

Strong at: Attacking the root problem (certificates are stale snapshots); strong when your vendor base's agents participate in the network.

Consider: The model's value scales with network participation — coverage of your specific sub and agent population is the whole question. Ask what the workflow looks like for the subs whose agents aren't connected.

4. Jones

Model: COI compliance built for real estate — owners, property managers, and GCs — with a network effect: a vendor verified once on Jones carries that verification to other Jones customers.

Strong at: Real-estate-side compliance, fast vendor approvals, portfolios where construction and property operations meet.

Consider: Construction-specific depth (subcontract-level requirements, project structures) is newer ground than its property-management core; the network effect depends on density in your market.

5. Tightrope

Model: An AI agent (Travis) that does the compliance work itself rather than organizing it for your team — reads each COI and its attached endorsements against the actual subcontract or lease requirements, flags gaps to the form level (a missing CG 20 37, a wrong entity on the endorsement), and then runs the chase: emailing, calling, and texting the sub, vendor, or their insurance agent through as many rounds as it takes until the corrected certificate is on file.

Strong at: The verification and chase layers — precisely the two jobs where collection-first platforms are thinnest. Requirements checked against source documents rather than generic templates. Works across construction and property management, which matters if you're a GC-developer or manage what you build. Free plan to start.

Consider: Tightrope is the newest company on this list — if maximum vendor history is your criterion, myCOI has decades. (And yes, this is our product. The free plan exists so the verification quality can make the argument instead of this paragraph.)

How to choose

Run the same test on every candidate, including Billy: take ten certificates your current process marked compliant, and ask each platform to verify them against one of your actual subcontracts — not their demo requirements. Then ask three questions: How many gaps did it find? Who closes them — your team, their team, or the software? And what does round three of the follow-up look like when an agent goes quiet? The answers separate document-collection tools from compliance tools faster than any feature matrix.

FAQ

What does Billy do? Billy is a construction compliance platform that automates collection and verification of COIs, W-9s, licenses, and vendor documents, with integrations into Procore, Autodesk, and Sage, offered in managed-service and self-service tiers.

Who competes with Billy? myCOI, TrustLayer, Certificial, Jones, SmartCompliance, BCS, and Tightrope are the main names in COI compliance; which ones genuinely compete depends on whether you're construction-only or span real estate operations too.

What should construction COI software actually verify? Beyond dates and limits: that the additional insured endorsements (ongoing and completed operations) are attached with the right entities, primary and noncontributory wording, and waivers of subrogation — checked against the subcontract, not a generic standard. See our subcontractor insurance verification guide.

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The ten-certificate test above takes about ten minutes on Tightrope's free plan. Bring the certs your current system passed — that's where it gets interesting.