Billy vs. TrustLayer: Which COI Tracking Platform Is Built for Construction?

If you’re a general contractor evaluating COI compliance tracking software, TrustLayer has probably come across your desk. It’s a well-known name in the insurance verification space, often bundled through broker partnerships with firms like Marsh and Aon. It works. It does what it says.

But “it works” and “it was built for what we do” are two very different things. And for general contractors managing active construction projects, post-completion warranty obligations, and complex endorsement requirements, the difference matters more than most feature lists will tell you.

This comparison breaks down the differences between Billy and TrustLayer from the perspective of commercial general contractors — the people who actually use these platforms every day to manage risk across dozens of projects and hundreds of vendor relationships.

What’s Inside

1. Why “Built for Construction” Isn’t Just Marketing
2. Feature Comparison: Billy vs. TrustLayer
3. The Warranty Tracking Gap
4. Integration Depth: Procore, Sage, and Beyond
5. Review Speed: 48 Hours vs. 7 Days
6. Insurance Wallet: Managing Outbound COIs
7. Vendor Pre-Qualification
8. The Charge-Back Model: How Builders Make It Pay
9. Switching from TrustLayer: What to Expect

Why “Built for Construction” Isn’t Just Marketing

TrustLayer was designed to automate insurance verification across industries — from property management to transportation to staffing. It does that well. But construction insurance compliance has requirements that don’t exist in other industries:

• Endorsement-level review — Construction contracts require specific endorsements like CG2010 (additional insured on completed operations), 30-day notice of cancellation, and waiver of subrogation. These need to be verified at the document level, not just the policy level.
• Post-project warranty tracking — In states like California, general contractors carry warranty exposure for 5 to 10+ years after project completion. Every subcontractor’s insurance needs to remain active and compliant for the full warranty period.
• Construction-specific integrations — GCs run Procore for project management and Sage for accounting. Their compliance tool needs to live inside that ecosystem.
• Project-based compliance — Construction compliance is organized by project, not by vendor. Each project has different insurance requirements based on the owner, scope, and jurisdiction.

TrustLayer handles the first part of compliance — collecting and verifying COIs. Billy handles the full lifecycle: collection, verification, endorsement review, warranty tracking, vendor pre-qualification, outbound COI management, and integration with the tools GCs actually use.

Feature Comparison: Billy vs. TrustLayer

Here’s how the two platforms compare across the capabilities that matter most to general contractors:

The Warranty Tracking Gap

This is the single biggest difference between the two platforms — and it’s the one most GCs don’t discover until it’s too late.

When a construction project reaches substantial completion, the compliance obligation doesn’t end. In California, general contractors carry warranty exposure for up to 10 years depending on the project type. During that entire period, every subcontractor who performed work needs to maintain active insurance coverage. If a warranty claim comes in and the sub’s policy has lapsed, the GC is exposed.

TrustLayer doesn’t offer post-completion warranty tracking. Once a project is marked complete, tracking stops.

Billy’s warranty mode lets you set a warranty end date for each project — whether that’s 2 years, 5 years, or 10+ years — and continues automated tracking for every vendor on that project for the entire duration. Auto-reminders go out every 48 hours when documents are approaching expiration. You get a single dashboard view across all warranty and active projects, with on-demand audit reports that are always current.

Integration Depth: Procore, Sage, and Beyond

Both platforms connect to Procore. But the depth of that integration is very different.

TrustLayer’s Procore integration allows basic data sharing — importing vendor lists and project information. It’s functional, but it doesn’t change how your team works day-to-day inside Procore.

Billy’s Procore integration is significantly deeper:

• Site Panel — Compliance status is visible directly inside Procore. Your project managers and field teams can see who’s compliant without leaving the tool they already live in. Learn more →
• Scheduling & Commitments — Billy connects to Procore’s scheduling and commitment modules, so compliance status is tied to actual project timelines.
• Procore Pay — Compliance verification is connected to payment workflows, so non-compliant vendors are flagged before checks go out.
• Auto-Import — Contracts, vendors, and project data flow into Billy automatically. No duplicate data entry.

On the accounting side, the gap is even wider. TrustLayer does not integrate with Sage 300 or Sage Intacct. For the large number of GCs running Sage for accounting — especially those in the process of migrating from Sage 300 to Intacct — this means manual data entry between their compliance and accounting systems.

Billy integrates with both Sage 300 and Sage Intacct natively, eliminating that duplicate work and ensuring compliance data flows into your accounting system without manual steps.

Billy also integrates with DocuSign, Autodesk, CMiC, JD Edwards, and Viewpoint Vista.

Review Speed: 48 Hours vs. 7 Days

When a subcontractor submits a certificate of insurance, someone needs to review it — not just confirm it was received, but actually verify that the coverage limits meet your contract requirements, the endorsements are correct, the policy dates are current, and the named insured matches the contracting entity.

TrustLayer’s review process can take up to 7 business days. For project managers waiting on sub mobilization or processing payments, that’s a significant bottleneck. A week-long hold on a certificate review can delay job-site access, push back schedules, and slow down payment processing.

Billy commits to a 48-hour review SLA. Documents are first processed by our AI Review Assistant, which reads the full document package — not just the ACORD form, but the actual endorsements — and flags any gaps or issues. A CRIS-certified human reviewer then confirms the AI’s findings before the status is updated.

CRIS stands for Construction Risk and Insurance Specialist. Billy’s review team isn’t a generic support desk — they’re insurance professionals who specialize in construction and understand the difference between a CG2010 and a CG2037, why a blanket additional insured endorsement might not satisfy your contract requirements, and when a 30-day notice of cancellation actually provides the protection it’s supposed to.

Insurance Wallet: Managing Outbound COIs

Most compliance tools focus exclusively on what GCs collect from subcontractors. But general contractors also have compliance obligations going in the other direction — they need to send their own certificates of insurance to project owners, developers, and institutional clients.

If you work with a broker like Marsh, Aon, or Lockton, you know how this typically goes: you email your broker requesting a certificate, they produce it, email it back, you forward it to the project owner, and then everyone tracks renewal dates on spreadsheets. Multiply that across a dozen active projects and it becomes a real administrative burden.

TrustLayer does not offer outbound COI management.

Billy’s Insurance Wallet centralizes this entire workflow:

1. Request a COI inside Billy — pick the project, attach the contract, name the certificate holder.
2. Your broker gets notified — they receive everything they need in one email, no back-and-forth.
3. Broker uploads directly into Billy — they can see all your active requests in one portal.
4. Billy reviews and distributes — once the COI passes review, it’s automatically sent to the project owner.

For GCs managing relationships with major brokers, this eliminates an entire layer of manual coordination that most compliance managers quietly describe as one of their biggest time sinks.

Vendor Pre-Qualification

TrustLayer focuses on post-contract compliance — verifying insurance after a subcontractor has already been selected and contracted. It does not offer pre-qualification tools.

Billy’s Subcontractor Prequalification Tool lets you screen vendors before they step onto your jobsite:

• Custom intake forms — Build forms that collect company information, insurance documentation, safety records, certifications, and any other data you define.
• Embeddable on your website — Generate a code snippet and embed the form directly on your company site. No development work required.
• No login required for subs — Subcontractors fill out the form without creating an account, reducing friction and increasing completion rates.
• Automated alerts — Each submission triggers an email notification to your team. Everything is stored in Billy’s dashboard for centralized review.

Beyond pre-qualification, Billy’s form builder supports custom surveys for toolbox talk submissions, safety certification uploads, project-specific compliance checklists, and warranty document collection.

The Charge-Back Model: How Builders Make It Pay

One of the most common questions we hear from GCs evaluating compliance platforms is: “How do I justify the cost to leadership?”

The answer is simpler than most people expect. Builders who adopt Billy are increasingly charging the cost back to project owners as a technology line item — the same way they already bill for Procore or other project management tools. The math works like this:

This isn’t creative accounting. It’s standard practice in commercial construction. Project owners expect to see technology line items on their cost breakdowns. Framing compliance software as a project cost — rather than corporate overhead — changes the leadership conversation entirely.

Switching from TrustLayer: What to Expect

If you’re currently on TrustLayer and considering a switch, the most common concern is disruption to active projects. Here’s what the transition actually looks like:

Billy’s Managed Service team handles the heavy lifting during setup — configuring your requirement groups, importing your data, and running the side-by-side comparison. Your team’s job is to validate, not to build.

Ready to See the Difference?

If you’re a general contractor currently using TrustLayer — or evaluating compliance platforms for the first time — we’d love to show you what a construction-specific approach looks like in practice.

Book a Demo →

Related resources: Procore Integration · Sage 300 · Sage Intacct · Insurance Wallet · AI Review Assistant · Vendor Pre-Qualification · Case Studies