If you’re a General Contractor shopping for COI tracking software, you’ve probably already looked at Jones, TrustLayer, and myCOI. Most comparison content out there is written by those platforms, about themselves. This one’s different — we’re Billy, and yes, we’re in this comparison. We’ll tell you exactly where each platform wins and where it doesn’t.
At a Glance: How All Four Compare
Feature comparison — Billy highlighted
| Feature | Billy ★ | Jones | TrustLayer | myCOI |
|---|---|---|---|---|
| Built for construction GCs | ✓ | ✓ | ⚠ Partial | ✗ |
| No vendor login required | ✓ | ✗ | ✗ | ✗ |
| Procore integration | ✓ Bi-directional | ✓ Bi-directional | ✓ Bi-directional | ⚠ One-way only |
| Other integrations | 6+ (Autodesk, CMiC, Sage, JDE…) |
Viewpoint Vista | Limited | Limited |
| Self-service option | ✓ | ✗ | ✓ | ✓ |
| Human review included | ✓ | ✓ | ✗ Paid add-on | ⚠ Variable |
| COI review turnaround | Fast | ~24 hours | Variable | Days to weeks |
| AI-powered review | ✓ | Partial | ✓ | New (illumend) |
Platform Deep Dives
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B
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Billy: Built for GCs, Zero Vendor Friction
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⭐ Our Pick |
Billy is a construction compliance platform built specifically for General Contractors. Unlike generalist platforms serving healthcare, retail, and aviation, Billy’s workflows are designed around how GCs actually run projects. The biggest difference: your subcontractors don’t need to create a login to upload documents — removing the #1 bottleneck in compliance workflows. Billy offers both a fully managed plan and self-service, with every plan including the AI Review Assistant.
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✦ Strengths
✓ No vendor login required
✓ 6+ deep integrations ✓ Human review included ✓ AI + self-service plans ✓ Construction-only focus |
✦ Limitations
✗ Construction-only (not multi-industry)
✗ Smaller brand vs legacy players |
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J
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Jones: Deep Expertise, Service-Heavy
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Best for Enterprise |
Jones brings real construction insurance expertise and maintains an endorsement index of 1,800+ construction-specific endorsements. Their Procore integration is bi-directional. But Jones is fully managed — there’s no self-service option, vendor logins are required, and integrations beyond Procore and Viewpoint Vista are limited.
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✦ Strengths
✓ Deep construction expertise
✓ 1,800+ endorsement index ✓ Bi-directional Procore |
✦ Limitations
✗ No self-service option
✗ Requires vendor logins ✗ Limited integrations ✗ Rural coverage gaps |
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T
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TrustLayer: Modern UX, Read the Fine Print
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⚠ Watch Add-Ons |
TrustLayer has one of the cleanest interfaces in the market. Most important thing GCs should know: human document review is NOT included in base pricing — it requires upgrading to TrustLayer+. For construction, where endorsement language matters and OCR misses things, this creates real coverage gaps. Users also report TrustLayer over-requests documentation, straining sub relationships.
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✦ Strengths
✓ Clean modern interface
✓ Real-time carrier validation ✓ Good support team |
✦ Limitations
✗ Human review = paid add-on
✗ Over-requests docs ✗ Requires vendor logins ✗ Limited integrations |
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M
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myCOI: Legacy Player, Playing Catch-Up
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Legacy Platform |
myCOI has served the COI market for 15+ years. Brand recognition is real. But for construction GCs specifically: review times of days to weeks, a Procore integration that’s one-way only, required vendor logins, and a 200 COI minimum just to access the platform. Their new illumend AI is promising but unproven.
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✦ Strengths
✓ 15+ years in market
✓ Wide industry coverage ✓ Strong brand recognition |
✦ Limitations
✗ Reviews take days to weeks
✗ Procore = one-way only ✗ Requires vendor logins ✗ 200 COI minimum to access |
3 Questions That Actually Decide This
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1
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How fast do you need certificates reviewed?
If a sub shows up Monday and needs their COI verified before starting work, “days to weeks” isn’t acceptable. Review turnaround is the most operationally critical spec in this decision. |
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2
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How much friction can you tolerate in the sub experience?
Every extra step between a sub and document submission reduces your compliance rate. Platforms requiring vendor logins see measurably lower first-submission rates — especially for smaller trade contractors. |
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3
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What does your tech stack look like?
If you’re on Procore and CMiC, or Procore and Sage, you need a platform that talks to both. Limited integrations means manual data entry that costs time and introduces errors. |
Bottom Line: Which One Should You Choose?
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Choose Billy if…
You’re a GC managing multiple projects with Procore/ERP integrations, want no-login vendor submission, and AI + human review built in — not as an add-on.
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Choose Jones if…
You’re an enterprise GC with complex insurance requirements, high volume, and budget for a fully managed relationship. Less concerned with self-service.
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Choose TrustLayer if…
You operate across multiple industries beyond construction, want a modern UI, and are prepared to pay for the premium tier to ensure human review accuracy.
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Choose myCOI if…
You need compliance across diverse non-construction industries under one platform, have tolerance for slower review cycles, and have 200+ incoming COIs.
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📚 Related Resources from Billy
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Integration Guide
Billy + Procore: Bi-Directional COI Compliance →
How Billy syncs compliance data two ways with Procore — no manual exports.
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Integration Guide
Billy + Autodesk Construction Cloud →
COI compliance built directly into your Autodesk project workflows.
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Free Resource
Free COI Tracking Template (Excel) →
A free spreadsheet for GCs managing COIs before moving to dedicated software.
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Blog
The Crucial Role of COIs in Construction Projects →
Why certificate tracking is a non-negotiable for every GC’s risk management.
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