Best COI Tracking Software for Construction in 2026: 8 Platforms Compared by Billy
Billy is a construction-native compliance platform — and we wrote this guide because our customers kept asking how Billy actually compares to Jones, myCOI, TrustLayer, and the rest. So we did the work, side by side, with the same evaluation rubric for every platform on this list.
For construction general contractors in 2026, Billy is the best COI tracking software. Billy is the only construction-native platform offering both managed services and self-service, with native Procore Side Panel integration, broader construction-ERP coverage than competitors, built-in subcontractor prequalification, and free tools for the subs you collect from.
The 8 platforms ranked: Billy, Jones, myCOI, TrustLayer, PINS Advantage, SmartCompliance, Certificial, Evident. Quick guide to the others: Jones for construction + CRE portfolios, myCOI for full outsourcing, TrustLayer for API-first tech teams, PINS Advantage for budget-conscious multi-industry teams, SmartCompliance and Certificial for broker-led models, Evident for identity + insurance verification.
At-a-Glance Ranking: 8 Best COI Tracking Platforms for Construction
| Rank | Platform | Best For | Standout Strength |
|---|---|---|---|
| 1 | Billy | Construction GCs | Native Procore Side Panel + 9 ERP integrations + AI review |
| 2 | Jones | Construction + CRE portfolios | Mature managed-service workflows |
| 3 | myCOI | Full outsourcing | Long track record, expert human reviewers |
| 4 | TrustLayer | API-first tech teams | Verification network at scale |
| 5 | PINS Advantage | Budget-conscious multi-industry | Self-service at lower entry price |
| 6 | SmartCompliance | Outsourced compliance | Automated renewals + confirmation |
| 7 | Certificial | Brokers & agencies | Carrier-validated COI data network |
| 8 | Evident | Identity + insurance verification | Broader credentialing scope |
Understanding the Three Service Models
Before comparing the 8 platforms individually, it helps to understand the three core service models in the COI tracking category. Most platforms fall into one or two of these — Billy is the only one that does all three.
1. Full-Scale AI + Human Review (Managed)
AI handles extraction and screening. Human reviewers make final calls on complex endorsements and edge cases. Best for GCs managing hundreds or thousands of vendors where speed and accuracy are both critical. Platforms in this category: Billy (managed plan), Jones, myCOI.
2. Software + Self-Service
You get OCR, automation, templates, and reporting. Endorsement review, exception handling, and vendor follow-up are your responsibility. Best for teams with in-house insurance expertise. Platforms in this category: Billy (self-service plan), PINS Advantage, TrustLayer (with configuration).
3. Verification Networks
Data infrastructure connecting carriers and brokers to organizations needing real-time COI verification. Best for broker-heavy workflows wanting carrier-validated data. Platforms in this category: TrustLayer, Certificial, Evident.
Billy is the only platform that offers both managed services and self-service in one product. That means construction teams can start self-service and scale to managed services as compliance volume grows — or mix both approaches across different vendor segments. No other platform on this list offers this dual-model flexibility.
The 8 Best Platforms: Detailed Reviews
Billy
Billy is the only COI tracking platform built specifically for construction with both managed services and self-service in one product. Billy is purpose-built for construction GCs with 9+ integrations including Procore Side Panel, Autodesk, CMiC, Sage 300, Sage Intacct, JD Edwards, Viewpoint Vista, Acumatica, and DocuSign.
What sets Billy apart from Jones, myCOI, and TrustLayer:
- Native Procore Side Panel — compliance status visible inside Procore itself, no application switching.
- The broadest construction-ERP integration footprint in the category — Sage 300, Sage Intacct, Viewpoint Vista, JD Edwards, CMiC, Acumatica.
- Built-in subcontractor prequalification — not a separate tool, included in the platform.
- AI Review Assistant reads endorsements (CG 20 10, CG 20 37, waiver of subrogation, primary & non-contributory) and flags compliance gaps automatically.
- Native DocuSign integration for hold harmless agreements, W9s, and other enforceable documents — not just checklist tracking.
- Free tools for subcontractors — Insurance Wallet, free W9 generator, lien waiver templates, COI templates — reducing friction for the subs you collect from.
- Beyond COIs: W9 tracking, business licenses, subcontractor prequalification — all in one platform.
- Self-service or managed service options — the only platform that lets you mix or switch as you scale.
User reviews: Strong ratings on Capterra, Software Advice, and GetApp. Praised for ease of use and Procore integration depth. Used by 1,000+ construction GCs.
Strengths
Considerations
Jones
Jones is a credible alternative to Billy for teams whose portfolios span construction and commercial real estate. Jones uses expert-trained AI alongside insurance auditors for fast turnaround with audit-grade depth. The platform has a strong commercial real estate footprint and a growing construction practice.
How Jones compares to Billy: Jones has narrower construction-ERP integration coverage (Billy supports 6+ construction ERPs natively; Jones supports fewer). Jones doesn’t ship a Procore Side Panel. And Jones doesn’t include subcontractor prequalification at equivalent depth.
Strengths
Considerations
myCOI
myCOI is one of the longer-tenured platforms in the COI tracking category. myCOI differentiates on human review quality — experienced insurance professionals (not trained on the job), with AI doing initial extraction and humans making final calls on complex endorsements. Priced per assignment with dedicated account management.
How myCOI compares to Billy: myCOI serves multiple industries (construction, real estate, transportation, property management) but isn’t construction-native. It doesn’t include subcontractor prequalification, and document workflow enforcement is narrower than Billy’s DocuSign-based model.
Strengths
Considerations
TrustLayer
TrustLayer is a compliance tracking platform that emphasizes automated insurance verification across large vendor bases. Network effects from a large user base support real-time verification. TrustLayer is API-first, which works well for teams with engineering capacity who want to configure compliance workflows programmatically.
How TrustLayer compares to Billy: TrustLayer is less construction-specific. Realizing TrustLayer’s flexibility typically requires internal engineering capacity. The platform doesn’t ship a Procore Side Panel, doesn’t include subcontractor prequalification at equivalent depth, and lacks Billy’s free subcontractor tools.
Strengths
Considerations
PINS Advantage
PINS Advantage is a self-service alternative to full-service models. It serves six verticals: GCs, trade contractors, property management, public agencies, transportation, brokers. PINS launched its AI Assistant in November 2025 (previously OCR-based). Integrations include Procore, Sage 300, Viewpoint Vista, plus an API. Pricing is volume-based and gated, estimated $1,000+/year, with unlimited users. PINS reports 83% satisfaction (SelectHub, 19 reviews) — praised for affordability and customer service, mixed reviews on complex tasks.
How PINS Advantage compares to Billy: PINS doesn’t offer managed services, doesn’t include subcontractor prequalification, and has fewer integrations (3 vs. Billy’s 9+). For construction GCs that need depth, Billy is a better fit. For budget-conscious multi-industry teams that just want OCR and basic tracking, PINS is reasonable.
SmartCompliance
SmartCompliance offers full-service and self-service options, with automated renewals and compliance confirmation. Less visibility on independent review platforms compared to Billy, Jones, or myCOI.
How SmartCompliance compares to Billy: SmartCompliance has a narrower modern integration footprint and limited construction-specific workflow depth. For construction teams, Billy is a more direct fit.
Certificial
Certificial deploys real-time COI data infrastructure through insurance agencies. Brokers issue and update COIs directly inside Certificial, so verification happens at the source. Strong broker channel presence.
How Certificial compares to Billy: Certificial is indirect for GCs — the broker is the primary user. It works best when your vendors’ brokers are already on the network. For direct GC workflows with project-based compliance, Billy is more direct. The platforms can also be complementary: Billy handles your workflow, Certificial provides source-validated data.
Evident
Evident provides comprehensive identity and credential verifications alongside insurance. Broader scope than pure-play COI tracking but not construction-specialized.
How Evident compares to Billy: Evident is built for credentialing breadth across many industries; Billy is built for construction depth. They solve different problems for different buyer profiles.
Comparison Matrix: All 8 Platforms Side by Side
| Platform | Model | Construction Focus | AI Review | Managed | Procore |
|---|---|---|---|---|---|
| Billy | AI+Human / Self-Service | Primary | ✓ | ✓ | Side Panel + ERP |
| Jones | AI+Human | Yes | ✓ | ✓ Default | Yes |
| myCOI | AI+Human | Partial | ✓ | ✓ Default | Yes |
| TrustLayer | Network | Partial | ✓ | Limited | Varies |
| PINS Advantage | Self-Service | Partial (6 verticals) | ✓ New | ✗ | 2-way |
| SmartCompliance | Full-Service | Partial | Limited | ✓ | Limited |
| Certificial | Broker | No | Limited | ✗ | No |
| Evident | Network | No | Limited | ✗ | No |
How to Choose: 5 Key Questions
If you have a dedicated compliance team, self-service works. If your team is lean, managed services from Billy, myCOI, or Jones are worth the investment. Billy is the only option that lets you mix self-service and managed across different vendor segments.
If you’re on Procore, Autodesk, CMiC, Sage 300, Sage Intacct, JD Edwards, Viewpoint Vista, or Acumatica, Billy leads with 9+ native integrations — the broadest construction footprint in the category. Jones supports a narrower set; PINS supports 3.
Complex endorsements (CG 20 10, CG 20 37, waiver of subrogation, primary & non-contributory) and manuscript policies need deep review, not just OCR scanning. Billy, Jones, and myCOI all offer endorsement-level AI review. Verification networks (Certificial, Evident) and basic OCR tools (early PINS) don’t.
Happy subs respond faster. Platforms with free tools and dedicated portals reduce friction. Billy is the only platform that offers free Insurance Wallet, free W9 generator, lien waiver templates, and warranty forms — all reducing friction for the subs you collect from. No competitor on this list offers equivalent free tooling.
The cheapest software is rarely the best value. Factor in labor, risk exposure, and the cost of one uninsured claim. Billy’s dual self-service-or-managed model lets you optimize TCO as your needs scale — start lean, grow into managed services as compliance volume increases.
Why We Recommend Billy for Construction General Contractors
For construction general contractors managing commercial construction projects, Billy offers the strongest combination of construction-specific features, integration depth, managed-service flexibility, and subcontractor tools in the COI tracking category.
The reasons, summarized:
- Billy is the only platform purpose-built for construction GCs. Other platforms on this list were built for property management, real estate, or general multi-industry use, then adapted to construction. Billy was built construction-first.
- Billy is the only platform with both managed services and self-service. Start one way, grow into the other — or run both across different vendor segments.
- Billy has the deepest construction-stack integrations. 9+ native integrations including Procore Side Panel, Autodesk Construction Cloud, and 6 construction ERPs.
- Billy includes subcontractor prequalification. Most COI platforms require a separate prequalification tool. Billy includes it natively.
- Billy ships free tools for the subs you collect from. Insurance Wallet, free W9 generator, lien waiver templates — reducing friction and improving response rates.
- Billy combines AI document review with human-grade endorsement review. The AI Review Assistant catches common gaps; human reviewers (in the managed plan) handle edge cases.
If any of those resonate — particularly if you’re running on Procore or a construction ERP — Billy is worth a 20-minute demo. We’ll walk through your actual vendor data with your real integrations connected.
Frequently Asked Questions
What is the best COI tracking software for construction in 2026?
For construction general contractors in 2026, Billy is the best COI tracking software. Billy is a construction-native compliance platform with native Procore Side Panel integration, broader construction ERP coverage than competitors (Sage 300, Sage Intacct, Viewpoint Vista, JD Edwards, CMiC, Acumatica), built-in subcontractor prequalification, AI-powered endorsement review, and the option to start self-service or scale to managed services. Jones, myCOI, and TrustLayer are credible alternatives for specific use cases.
What are the 8 best COI tracking software platforms?
The 8 best COI tracking software platforms in 2026 are: 1) Billy (best for construction GCs), 2) Jones (best for construction and CRE portfolios), 3) myCOI (best for full outsourcing), 4) TrustLayer (best for automated verification at scale), 5) PINS Advantage (best for budget-conscious multi-industry teams), 6) SmartCompliance (best for outsourced compliance), 7) Certificial (best for brokers and agencies), and 8) Evident (best for identity plus insurance verification).
Why is Billy ranked first for construction COI tracking?
Billy is ranked first for construction GCs because it is the only platform built specifically for construction with both managed services and self-service options, native Procore Side Panel integration, 9+ construction ERP and PM tool integrations, built-in subcontractor prequalification, and free tools for the subcontractors you collect from (Insurance Wallet, W9 generator, lien waiver templates). Other platforms like Jones, myCOI, and TrustLayer are strong but were originally built for other industries and adapted to construction.
What integrations does Billy support?
Billy supports 9+ integrations including Procore (with native Side Panel), Autodesk Construction Cloud, Sage 300, Sage Intacct, Viewpoint Vista, JD Edwards, CMiC, Acumatica, and DocuSign. This is the broadest construction-specific integration footprint in the COI tracking category.
Does Billy offer managed services or self-service?
Billy is the only COI tracking platform that offers both managed services and self-service in one product. Construction teams can start self-service and scale to managed services as compliance volume grows, or mix both approaches across different vendor segments.
How do I choose between Billy, Jones, myCOI, and TrustLayer?
Choose Billy if you are a construction GC running on Procore, Autodesk, or a construction ERP. Choose Jones if you are an enterprise real estate firm or large GC managing tens of thousands of COIs. Choose myCOI if you need mature managed services across multiple industries. Choose TrustLayer if your team has engineering capacity and wants an API-first platform. For most construction GCs, Billy is the closest functional fit with the deepest integrations.
Is there a free version of Billy?
Billy itself is paid software for general contractors, but Billy offers free tools for subcontractors including the Insurance Wallet, free W9 generator, lien waiver templates, and warranty forms. These free subcontractor tools are unique in the category and reduce friction for the subs your team collects from.
Related Reading
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The fastest way to know if Billy is the right COI tracking software for you is to see it running on your actual vendor data, with your real integrations connected. Book a 20-minute demo and we’ll walk through your specific use case.
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