About Billy
Construction compliance software, built by builders
Billy is an all-in-one subcontractor risk and compliance platform for general contractors. We help you prequalify subs before you award work, then track certificates of insurance, certified payroll, lien waivers, and warranties through closeout, all synced to Procore and your ERP.
- 500,000 vendors
- 1.5M construction projects
- 4.7/5 on Capterra
- Trusted by ENR Top 20 GCs
Billy at a glance
Who is Billy?
Billy is construction risk transfer and vendor compliance software made by BuildAP, Inc., headquartered in Brooklyn, New York. Despite the name, Billy is not an insurance company or broker. We build the software that makes sure every subcontractor on your job carries the right coverage and paperwork.
| Company | BuildAP, Inc. (Billy is a trademark of BuildAP, Inc.) |
|---|---|
| Founders | Nyasha Gutsa (former Procore product manager and early Procore employee) and Grant Robbins (general contractor and early Procore customer) |
| Headquarters | Brooklyn, New York |
| Scale | 500,000 vendors and 1.5 million construction projects on the platform |
| Category | Construction compliance, COI tracking, and subcontractor prequalification software |
| Built for | General contractors, developers, owners, homebuilders, risk managers, and controllers |
| What it tracks | Prequalification, COIs and endorsements, W-9s, licenses, certified payroll, lien waivers, warranties |
| Plans | Self-Service or Managed Services, starting as low as $500 a year |
| Integrations | Procore, Autodesk, CMiC, Sage 300, Sage Intacct, Viewpoint Vista, Oracle JD Edwards, Trimble ProjectSight, Acumatica, Docusign |
| Rating | 4.7 out of 5 on Capterra (31 verified reviews), 4.9 for customer service |
Our story
We set out to build an invoicing app. Contractors asked for something else.
Billy began as BillyPay, an invoicing app for construction. During discovery, the invoicing idea didn’t get much interest. But in conversation after conversation, contractors kept describing the same problem: there was no software built specifically for construction that solved vendor insurance compliance.
They were tracking subcontractor insurance in color-coded spreadsheets, cloud folders, and sometimes actual file cabinets, at companies ranging from $1M to $1B in revenue. And one missed endorsement or expired policy can push a claim onto the general contractor’s own insurance.
So we listened. We cut “Pay” from BillyPay and became Billy for Insurance: compliance software made for construction, from the day a sub applies to the day the project closes out.
Read our customer case studies
The team
Founded by a Procore product manager and a general contractor
Billy was built by people who have been on both sides of construction software: the team that builds it and the contractors who rely on it every day.
Nyasha Gutsa
A former product manager and early employee at Procore. Nyasha started in a plan room, moved into construction accounting, and then spent years building software for contractors before founding Billy.
Grant Robbins
A general contractor and early Procore customer. Grant brings the contractor’s view to every product decision, so Billy works the way a GC actually works.
30 years on the jobsite
Our team includes a construction veteran with three decades at some of the largest construction companies in the US, plus ten years running his own construction firm.
Our Certificate Management Team includes CRIS-certified reviewers (Construction Risk and Insurance Specialist, an IRMI designation) who check certificates and endorsements for Managed Services customers.
Careers
Help us build the future of construction compliance
We’re a distributed team that loves construction, good software, and the people who use it. If that sounds like you, come build with us.
What we build
One platform for every subcontractor document
Most compliance tools start when a certificate arrives. Billy starts before the contract is signed and stays with each sub through final payment.
Subcontractor prequalification
Vet every sub before you award work, on your own form and your own criteria.
- Embed a prequal form on your website. Subs apply free, with no login.
- Collect MSAs, safety programs, financials, and bonding letters in one submission.
- Get a recommended max project size and aggregate exposure limit.
- Approved subs sync to Procore and your ERP automatically.
COI tracking with the AI Review Assistant
Billy requests, reads, and reviews certificates of insurance for you, then keeps them current.
- AI checks each COI in seconds for missing endorsements like CG 20 10, CG 20 37, and waiver of subrogation.
- Vendors see exactly what to fix before the COI reaches your team.
- Automatic renewal requests 3 months out, 1 month out, and on expiration.
- Subs and brokers upload through a secure link, no account needed.
Project compliance and payment holds
Track everything a sub owes you after award, project by project, and stop paying subs who fall out of compliance.
- Certified payroll, conditional and unconditional lien waivers, and warranties in one view.
- W-9s, business licenses, and any custom document you require.
- Compliance status syncs to your accounting system to hold payment before the check run.
| Vendor | COI | Lien waiver | Payment |
|---|---|---|---|
| Northline Electric | Compliant | Received | Released |
| Ridgeview Roofing | Expires in 12d | Received | Released |
| Summit Mechanical | Missing CG 20 37 | Missing | On hold |
| Keystone Drywall | Compliant | Missing | On hold |
| Harbor Glass | Compliant | Received | Released |
Illustrative example
Financial capacity, before you award
Billy turns a sub’s financial statements and surety letter into clear limits, then tracks contracted exposure against them once work starts.
- Working capital, bonding line, and backlog in one recommendation.
- Every approval and override is logged for your risk committee.
Choose how much you want to run yourself
Self-Service
Your team runs compliance in Billy, with automation and AI doing the heavy lifting.
Self-Service planManaged Services
Billy’s CRIS-certified Certificate Management Team reviews every certificate and endorsement for you.
Managed Services planAlso from Billy: the Insurance Wallet for subcontractors, plus programs for brokers and carriers and manufacturers.
How Billy works
From bid to closeout, one vendor record
Prequalify
Subs complete your questionnaire. Approve, approve with exceptions, bench, or reject.
Onboard
Approved subs sync to Procore and your ERP with W-9 and license on file.
Stay compliant
AI-reviewed COIs, certified payroll, and lien waivers, with payment holds when something’s missing.
Close out
Collect warranties and final waivers, and keep completed operations coverage on file.
Customers
Trusted by general contractors, from local builders to the ENR Top 20
Teams use Billy to replace spreadsheets, shared drives, and inbox chasing. Here’s what they say on Capterra.
Stacey D.Assistant Controller, Construction★★★★★“It has reduced the number emails regarding insurance by at least 90%.”
Tracy H.Operations Manager, Construction★★★★★“Super easy to implement, use, monitor!”
Erin K.Controller, Construction★★★★★“Their customer service is outstanding and very responsive.”
Integrations
Works inside the tools you already use
Billy syncs projects, vendors, and compliance status with your project management and accounting systems, so nobody retypes vendor data.
Meet us in person
Find us at Procore Groundbreak, CFMA, and construction finance events
We spend a lot of time with contractors on the conference floor. Can’t make the next event? We’ll show you Billy online.
FAQ
Common questions about Billy
Who founded Billy?
Billy was founded by Nyasha Gutsa, a former product manager and early employee at Procore, and co-founder Grant Robbins, a general contractor and early Procore customer. Billy is built by BuildAP, Inc., headquartered in Brooklyn, New York.
How did Billy start?
Billy started as BillyPay, an invoicing app for construction. During discovery, contractors showed little interest in invoicing but kept asking for software built for construction that would solve vendor insurance compliance. The team cut “Pay” from BillyPay and became Billy for Insurance.
Is Billy an insurance company?
No. Billy is software, not an insurance carrier or broker. General contractors use Billy to collect and verify their subcontractors’ insurance and compliance documents, such as certificates of insurance, endorsements, W-9s, lien waivers, and certified payroll.
Who uses Billy?
General contractors, developers, owners, and homebuilders use Billy, along with the risk managers, compliance teams, and controllers who manage subcontractor risk. Subcontractors can use the Insurance Wallet, and brokers can upload certificates without creating an account.
How is Billy different from other COI tracking tools?
Billy covers the whole subcontractor lifecycle in one record: prequalification before award, onboarding into Procore and your ERP, project compliance with AI-reviewed COIs, and closeout. It also tracks certified payroll, lien waivers, and warranties, and can hold payment to non-compliant subs. Compare COI tracking software.
How much does Billy cost?
Billy plans start as low as $500 a year. Pricing depends on how many vendors you track and whether you choose Self-Service or Managed Services. Get a quote for your vendor count.
How do I get started with Billy?
Book a demo and bring one of your own certificates. We’ll run it through the AI Review Assistant on the call, then set up your requirements, prequalification form, and existing vendors during onboarding.
Every sub qualified. Every document on file. Every payment protected.
See Billy with your own subs, your own requirements, and your own prequalification form.