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Facts: desk research, not tested · Reviews: members' opinions

bcs vs Billy

Two COI tracking platforms that pair AI certificate review with optional human reviewers. bcs serves property managers, contractors and other industries and publishes per-vendor prices, including a permanent free tier. Billy is built for construction only, with a managed service run by CRIS-certified reviewers and deep Procore ties, and publishes no prices. Vendor pages read Oct 22, 2026; desk research, not tested, no winner.

DESK RESEARCH, NOT TESTED. Compiled from vendors' public websites (accessed Oct 22, 2026). Vendor claims are not verified by Means & Methods Lab. No scores or rankings.

In short: bcs (COI tracking & vendor compliance; vendor publishes prices) vs Billy (COI & subcontractor compliance; no public prices (quote / sales)). Facts last checked Oct 22, 2026. No winner declared; not tested.

Side by side

bcs vs Billy: vendor-published facts side by side
Sheet rowbcsBilly
CategoryCOI tracking & vendor complianceCOI & subcontractor compliance
AI role (our label)AI features added to established productAI features added to established product
What it doesCertificate-of-insurance tracking that combines AI automation with expert compliance review for property managers, GCs, risk and procurement teams. Users named include property managers, general contractors, risk managers and procurement teams. Vendor says its extractor (RiskBot) reads every field when a COI is uploaded and shows color-coded deficiencies live, so vendors and agents can fix problems before submitting, and that it can read description-of-operations language. Also lists requirement templates (W-9s, contracts, any policy), multiple COIs per vendor by project, automated deficiency notices and renewal requests, compliance analytics, user permissions, direct messaging, job postings and RFPs to its network, and a pre-qualified vendor search. Full-service plans add compliance analysts who handle outreach, corrective action and full policy reviews including endorsements. Counters of 782,538 vendors tracked and 1,429,671 documents reviewed, 15-20 hours saved per week and a 95% client retention rate are vendor claims.Construction compliance platform for COI tracking that collects and verifies insurance certificates, W-9s and licenses, with an AI Review Assistant. It offers automated collection and verification of certificates of insurance, W-9s, business licenses and other compliance documents; vendors or their brokers upload documents with no login required. Site lists an AI Review Assistant, a prequalification tool, managed-service and self-service options, and integrations including Procore, Autodesk, CMiC, Docusign, Sage 300, Sage Intacct, JD Edwards, Viewpoint Vista, Trimble ProjectSight and Acumatica (Procore project and vendor data transfer automatically). Vendor cites 100,000+ policies and 3,500+ projects (vendor claims). Re-checked Oct 19, 2026: the site also lists a Procore Side Panel integration, an Insurance Wallet, pages for brokers and carriers and for subcontractors, and COI and product liability compliance for manufacturers; Billy is a trademark of BuildAP, Inc. (Brooklyn, NY). Re-read Oct 21, 2026: unchanged in substance (AI Review Assistant, prequalification tool, Procore data transfer, no-login uploads for vendors and brokers, managed service by its Certificate Management Team); the free tools menu now adds a W9 generator. Re-read Oct 22, 2026: the FAQ says Billy is built for construction only (GCs, owners, home builders and specialty contractors), lists warranty tracking that keeps following up on vendor insurance for 2, 5 or 10+ years after completion, OCIP/CCIP wrap-up support, Procore Pay blocking of payments to non-compliant vendors, and Microsoft Entra ID SSO; its managed-service tier assigns CRIS-certified reviewers to endorsement checks such as CG 20 10, 20 11 and 20 37.
Who it's forGeneral contractors tracking subcontractor insurance, property managers, risk and procurement teams (vendor wording).General contractors managing subcontractor insurance compliance.
Pricing (as publicly stated)Free for up to 25 vendors (permanent, all software features, no credit card). Self-Service $0.95/vendor/month ($11.40/vendor/year), price dependent on vendor volume. Full-Service (software plus compliance analysts) $17.80/vendor/year with a $10,000 annual minimum. Charged by active vendor, not per user or document. The pricing FAQ lists integrations (Yardi, Procore, MRI) at $2 per vendor annually while also saying no additional cost; confirm with the vendor. Vendor-published prices. (Checked Oct 16, 2026; re-checked Oct 19, 2026, unchanged.) Re-checked Oct 21, 2026: no price change (free up to 25 vendors; Self-Service $0.95/vendor/month; Full-Service $17.80/vendor/year with a $10,000 annual minimum). The plan comparison table now marks integration cost as Included for both paid plans; the integrations FAQ answer did not expand in our read, so the earlier $2 per vendor wording is not re-confirmed. Ask the vendor. Re-checked Oct 22, 2026: prices unchanged (free up to 25 vendors; Self-Service $0.95 per vendor per month, $11.40 per year; Full-Service $17.80 per vendor per year with a $10,000 minimum). The plan table still marks integrations as included, while the FAQ still says integrating is $2 per vendor annually on both paid plans at no additional cost, so ask bcs which applies. Self-Service can be paid by card, ACH or check (check for invoices over $1,000 a month); Full-Service by check or ACH.No public prices found (checked Oct 16 and Oct 19, 2026): /pricing returns a not-found page; the site lists a managed-service plan (its Certificate Management Team handles COI processing) without prices, and offers "Try Billy Free" and "Book a demo". Confirm current pricing with the vendor. Re-checked Oct 21, 2026: unchanged (/pricing returns a not-found page; managed-service plan without prices; Try Billy Free and Request a Demo). Re-checked Oct 22, 2026: unchanged; /pricing still returns a not-found page, and the site offers a managed-service plan, Try Billy Free and demo requests with no prices.
User reviewsNo reviews yet. Read or writeNo reviews yet. Read or write
Vendor links
Sources

Facts last checked: Oct 22, 2026. Prices change; check the vendor page before relying on them.

Where the vendor descriptions differ

  • AI review: bcs says its extractor, RiskBot, reads a COI as soon as a vendor uploads it and shows deficiencies before submission, and that every tier includes AI-powered certificate review. Billy lists an AI Review Assistant alongside automated collection and verification of COIs, W-9s, business licenses and other compliance documents.
  • Human review: bcs Full-Service adds an account manager, an implementation manager and US-based compliance analysts who handle vendor outreach, plus full policy reviews covering endorsements and description-of-operations language. Billy's managed-service tier assigns CRIS-certified reviewers to the full review cycle, including endorsement checks such as CG 20 10, 20 11 and 20 37, additional insured status and notice of cancellation.
  • Construction fit: Billy says it is built only for construction, with project-based compliance, OCIP/CCIP wrap-up programs, a prequalification tool, an Insurance Wallet for subcontractors, and warranty tracking that keeps following up on vendor insurance for 2, 5 or 10+ years after completion. bcs also serves real estate, retail and other industries and tracks vendors, tenants or subcontractors.
  • Vendors and subs: bcs vendors submit through a mobile app with no bcs login. Billy says vendors or their brokers upload documents with no login required.
  • Integrations: bcs names Yardi, Procore and MRI plus an open API; its plan table marks integrations as included while its FAQ says $2 per vendor annually at no additional cost, so confirm with the vendor. Billy lists Procore (a Side Panel inside Procore, Procore Pay blocking of non-compliant vendors and two-way project and vendor sync), Autodesk Construction Cloud, Sage 300, Sage Intacct, CMiC, Viewpoint Vista, JD Edwards and Docusign, plus Microsoft Entra ID SSO.
  • Pricing (checked Oct 22, 2026): bcs is free for up to 25 vendors (permanent, not a trial), Self-Service is $0.95 per vendor per month ($11.40 per year) and Full-Service is $17.80 per vendor per year with a $10,000 annual minimum, charged by active vendor. Billy publishes no prices; /pricing returns a not-found page, and the site offers a managed-service plan, Try Billy Free and demo requests.
  • Onboarding: bcs says self-service setup takes a few days and full-service implementation 6-8 weeks. Billy says Procore project and vendor data transfers into Billy automatically and the integration takes minutes; it gives no overall rollout time.
  • Not used here: both vendors' customer counts, policy counts, testimonials and case-study figures (vendor material). Neither tool has been tested by Means & Methods Lab.

Paraphrased from the sources listed above. Vendor claims are reported as claims.

What users say

The facts above come from vendor websites. Whether either tool is any good for your work is something only people who use them can say. These are member reviews, all ratings shown, never edited or removed for being negative.

Used either of these? Share your take

Good or bad, an honest review from an estimator, PM or super helps the next team more than another vendor demo. You post under a handle; your email is never shown.

Questions to ask in your review

  • Deficiencies each catches on the same set of real subcontractor COIs and endorsements
  • What Billy costs for your vendor count, and which bcs integration terms apply
  • What did you use it for, on what kind of work and project size?
  • How long did setup and training take, and who on your team did it?
  • What does it cost you in practice, compared with what the sales call said?
  • Where does it fall short, and what would make you switch?

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