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Billy vs Constrafor

Two ways for a general contractor to handle subcontractor insurance compliance. Billy is a COI tracking platform that collects and verifies certificates of insurance, W-9s and business licenses, with an AI Review Assistant that checks uploaded COIs against project requirements and a managed-service option where its CRIS-certified team reviews certificates for you. Constrafor is a broader GC risk platform: COI management with its AI Insurance CoPilot sits beside subcontractor prequalification, contract management, invoice and payment processing, early pay and diversity tracking, at published fixed annual prices. Desk research from vendor pages read Oct 28, 2026; not tested, no winner.

DESK RESEARCH, NOT TESTED. Compiled from vendors' public websites (accessed Oct 28, 2026). Vendor claims are not verified by Means & Methods Lab. No scores or rankings.

In short: Billy (COI & subcontractor compliance; no public prices (quote / sales)) vs Constrafor (Subcontract risk, prequal & COI management; vendor publishes prices). Facts last checked Oct 28, 2026. No winner declared; not tested.

Side by side

Billy vs Constrafor: vendor-published facts side by side
Sheet rowBillyConstrafor
CategoryCOI & subcontractor complianceSubcontract risk, prequal & COI management
AI role (our label)AI features added to established productAI features added to established product
What it doesConstruction 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. Re-read Oct 24, 2026: the AI Review Assistant page says it scans an uploaded COI against your requirements and flags missing endorsements (such as CG 20 10, CG 20 37, waiver of subrogation and primary/noncontributory wording), incorrect limits, expired policies and missing additional insured language, gives vendors correction guidance before the certificate reaches your team, and offers a chat to clarify requirements; the free tools menu now adds a 2026 audit-ready checklist. Re-checked Oct 26, 2026 (rendered homepage): unchanged in substance (COI, W9 and business license collection and verification; Managed Services, Self-Service, AI Review Assistant and Prequalification Tool in the menu; integrations listed include Procore, Autodesk, CMiC, Docusign, Sage 300, Sage Intacct, JD Edwards, Viewpoint Vista, Trimble ProjectSight and Acumatica). Policy and project counts are vendor content and not used.Construction risk management software for GCs (subcontracts, sub prequalification, insurance certificates) plus invoice financing for subs. For general contractors it covers subcontract management, subcontractor onboarding and prequalification, and certificate-of-insurance tracking; growth solutions for subcontractors include cash-flow reports and invoice financing. Its COI page introduces Insurance CoPilot, described as an AI risk assistant with ChatGPT built in, alongside COI request, tracking and review workflows, an endorsements view, automated reminders and expiration alerts, and integrations that import project details from Procore, Autodesk, Sage, Vista, CMiC and others. The COI FAQ says it supports OCIPs and CCIPs, tier-2 subcontractor COIs, and review by your broker or audit team; Constrafor also offers to act as an extension of your risk team. Its prequalification page describes a single master form subs fill once and GCs can customize, free for subcontractors, and says continuous monitoring reduces the risk of subcontractor default and leads to lower insurance premiums (vendor claims). Retagged from Not AI-first on Oct 16, 2026 because of Insurance CoPilot; the pages we read do not detail what the CoPilot does. Re-read Oct 17, 2026: the COI page still introduces Insurance CoPilot as an AI risk assistant for insurance-document review with "ChatGPT Built-in", still lists Procore, Autodesk, Sage, Vista and CMiC imports, and now shows "Start Free Trial" buttons; the prequalification page still says it is free for subcontractors. The homepage copy still does not describe AI features, though its meta description says "AI Risk Management". Constrafor also sells Cru, which it calls an AI financial OS for subcontractors, with bookkeeping, bills, cash-forecasting, job-costing, materials and COI agents, and says every agent action is approved by the customer's team before it is final (vendor claims, read Oct 17, 2026); Cru's site cites 78,000+ subcontractors in the Constrafor network, while the Constrafor homepage cites a 40,000+ contractor network. Re-checked Oct 19, 2026: the Constrafor homepage, COI page (Insurance CoPilot, ChatGPT Built-in, Start Free Trial) and prequalification page (free for subcontractors) are unchanged; the homepage still cites a 40,000+ contractor network, 7,000+ projects managed and $2 billion+ invoices financed (vendor figures). Cru's site now also lists Early Pay, a Cru Card powered by Ramp, read-only connections to QuickBooks, Sage or Foundation, SOC 2 certification and a 1-month free trial, still with every agent action approved by the customer's team (vendor statements). Re-checked Oct 21, 2026: homepage unchanged in substance (risk management software for GCs; Early Pay invoice financing, cash-flow tools and Cru for subcontractors; explore the platform for free). Its counters and customer quotes are vendor content and not used. Re-checked Oct 25, 2026: homepage, COI, prequalification and Early Pay pages unchanged in substance (risk management suite for GCs and growth solutions for subcontractors; Insurance CoPilot AI risk assistant for COI review, with OCIP/CCIP and tier-2 subcontractor support and Procore, Autodesk, Sage, Vista and CMiC integrations listed; a single master prequalification form, free for subcontractors). The COI page now embeds an interactive sample of its COI tracking dashboard. Customer quotes and award mentions are vendor content and are not used. Re-checked Oct 26, 2026: homepage unchanged in substance (risk management suite for GCs and growth solutions for subcontractors); the Cru homepage and pricing page are unchanged (subcontractor AI agents for bills, compliance and job costing; Early Pay; surety bonds and P&C insurance marked coming soon). The Cru pricing FAQ still contains template placeholder questions. Customer quotes and network counters are vendor content and are not used. Re-checked Oct 27, 2026: homepage, prequalification and COI pages unchanged in substance (GC risk management: prequalification with one master form free for subs, AI-enabled insurance review with Insurance CoPilot, contract, invoice and payment management, diversity tracking); Cru homepage unchanged. Customer quotes and network counters are vendor content and are not used.
Who it's forGeneral contractors managing subcontractor insurance compliance.General contractors' risk, insurance and operations teams; subcontractors (prequal is free for subs; growth and financing products for subs).
Pricing (as publicly stated)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. Re-checked Oct 24, 2026: unchanged; the FAQ says to contact Billy for a personalized quote and describes Software-Only and Managed Services plans (the managed plan uses CRIS-certified reviewers), with no prices. Re-checked Oct 26, 2026: unchanged; /pricing still returns a not-found page and the site offers Try Billy Free and demo requests with no prices. Re-checked Oct 28, 2026: unchanged; /pricing still returns a not-found page, the FAQ says to contact Billy for a personalized quote, and the site offers Try Billy Free and demo requests with no prices.GC risk-management software: fixed annual platform prices published since Oct 26, 2026 (see the Oct 26 and Oct 27 updates below); at earlier checks not publicly listed (talk-to-an-expert form; prequalification is free for subcontractors per vendor). (Checked Oct 16, 2026.) Re-checked Oct 19, 2026: the GC software is still quote-only, but the subcontractor Financing Pricing page publishes Early Pay rates. Blue: 0.4% weekly fee plus a 1.00% upfront platform fee on the advanced amount, no subscription. Gold: 0.35% weekly plus 0.75%, $1,750 a month ($16,800 a year). Platinum: 0.33% weekly plus 0.50%, $3,500 a month ($33,600 a year). The page lists Gold for funding needs up to $500K and Platinum up to $1M, a $100 minimum platform fee per transaction, and further platform fees when a GC payment arrives more than 15 days late and from the 60th day after the expected date. Only GC-approved invoices on active jobs qualify, and the page says funds arrive within 48 hours. Cru offered a 1-month free trial without listing a price at that check (it now lists $500 a month; see Oct 22 update). Re-checked Oct 21, 2026: Early Pay rates unchanged (Blue 0.4% weekly plus 1.00% upfront, no subscription; Gold 0.35% plus 0.75%, $1,750 a month or $16,800 a year; Platinum 0.33% plus 0.50%, $3,500 a month or $33,600 a year; funds within 48 hours). The FAQ answers did not expand in our read, so the $100 minimum and late-payment fees were not re-confirmed. Re-checked Oct 22, 2026: Early Pay rates unchanged (Blue 0.4% weekly plus 1.00% upfront, no subscription; Gold 0.35% plus 0.75% at $1,750 a month or $16,800 a year; Platinum 0.33% plus 0.50% at $3,500 a month or $33,600 a year). New since our last read: Cru now publishes a price. Its pricing page lists one AI + Dashboard plan at $500 a month, which includes $500 in Cru credits that the agents draw from as they work, every agent, unlimited team members and white-glove support; credits can be topped up at any time, the first month is free, and it is month-to-month with no setup fee. An optional Professional Services add-on (CPA or CFA advisory) is $250 an hour. Cru's menu also lists Early Pay (Cru says get paid in 24 hours; Constrafor's Early Pay page says within 48 hours) and surety bonds and P&C insurance marked coming soon. The GC risk-management software is still quote-only. Re-checked Oct 23, 2026: Early Pay rates unchanged (Blue 0.4% weekly plus 1.00% upfront, no subscription; Gold 0.35% plus 0.75% at $1,750 a month or $16,800 a year; Platinum 0.33% plus 0.50% at $3,500 a month or $33,600 a year). The FAQ expanded in this read and re-confirms a $100 minimum Platform Fee on every transaction, that payments arriving more than 15 days after the expected date are treated as new transactions with a new Platform Fee, and that further Platform Fees apply on the 60th day after the expected date and every 45 days after that. Cru still lists one AI + Dashboard plan at $500 a month with $500 in credits, first month free, and a $250-an-hour Professional Services add-on. Re-checked Oct 25, 2026: Early Pay rates unchanged (from 0.4% per week; Blue 0.4% weekly plus 1.00% upfront; Gold 0.35% plus 0.75% at $1,750 a month or $16,800 a year; Platinum 0.33% plus 0.50% at $3,500 a month or $33,600 a year). Cru unchanged ($500 a month with $500 in credits, first month free, $250-an-hour Professional Services add-on, no setup fee). Update, Oct 26, 2026 (first read of constrafor.com/pricing): the Platform Pricing page lists fixed annual prices for its GC platform, with unlimited users and subcontractors and onboarding support: $13,500 per year for mid-size firms under $500M in ACV, $25,000 for $500M to $1B, $40,000 for $1B to $3B, and custom pricing above $3B (the page labels only the first tier per year); additional solutions are discounted when bundled (vendor-published, not verified). Early Pay rates and Cru pricing unchanged (Early Pay from 0.4% per week; Cru $500 a month with $500 in credits, first month free, $250-an-hour Professional Services add-on, no setup fee). Re-checked Oct 27, 2026: unchanged (GC platform $13,500 a year under $500M ACV, $25,000 for $500M to $1B, $40,000 for $1B to $3B, custom above $3B; Early Pay from 0.4% per week, Gold $1,750 a month or $16,800 a year, Platinum $3,500 a month or $33,600 a year; Cru $500 a month with $500 in credits, first month free, $250-an-hour Professional Services add-on). Re-checked Oct 28, 2026: GC platform prices unchanged ($13,500 a year under $500M ACV, $25,000 for $500M to $1B, $40,000 for $1B to $3B, custom above $3B; unlimited users and subcontractors; bundle discounts); the COI page still describes Insurance CoPilot with ChatGPT built in.
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Sources

Facts last checked: Oct 28, 2026. Prices change; check the vendor page before relying on them.

Where the vendor descriptions differ

  • Core job: Billy's site centers on insurance and vendor compliance: automated collection and verification of COIs, W-9s and business licenses, with Self-Service and Managed Services options, a Prequalification Tool and an Insurance Wallet for subcontractors listed in its menu. Constrafor's COI page describes requesting, tracking and reviewing COIs with expirations, approval status and project compliance in one dashboard, and the same site sells prequalification, contracts, invoice management, payment processing, Early Pay and MWBE diversity tracking.
  • AI: both are tagged AI features added to established product. Billy's AI Review Assistant scans an uploaded COI, compares it to the GC's insurance requirements and shows the vendor what to fix (its FAQ lists missing endorsements such as CG 20 10 and CG 20 37, waiver of subrogation, primary and noncontributory, incorrect limits, expired policies and missing umbrella or workers compensation), and staff can chat with it about requirements and coverage. Constrafor describes Insurance CoPilot as an AI risk assistant for insurance document review with ChatGPT built in.
  • People in the loop: Billy's managed plan hands COI processing to its Certificate Management Team of CRIS-certified insurance professionals, who check items such as primary and noncontributory clauses, waiver of subrogation and additional insured status on completed operations. Constrafor's pricing page lists full-scale onboarding support; the pages we read do not describe a managed review service.
  • Integrations (vendor lists): Billy names Procore (including a Procore side panel), Autodesk, CMiC, Docusign, Sage 300, Sage Intacct, JD Edwards, Viewpoint Vista, Trimble ProjectSight and Acumatica. Constrafor names Procore, Autodesk, Sage, Vista, CMiC and others, importing project details automatically.
  • Pricing (checked Oct 28, 2026): Billy publishes no prices; /pricing returns a not-found page, its FAQ says pricing scales with business needs and size and to contact Billy for a personalized quote, and the site offers Try Billy Free and demo requests. Constrafor publishes fixed annual GC platform prices by annual construction volume: $13,500 a year under $500M ACV, $25,000 for $500M to $1B, $40,000 for $1B to $3B and custom above $3B, with unlimited users and subcontractors and bundle discounts for added solutions. See each tool page for detail.
  • Not like-for-like: Billy is a COI and vendor-compliance specialist with an optional managed review team; Constrafor is a wider GC risk and payments platform where COI review is one module.
  • Not used here: Billy's policy and project counts and its time-saving lines, and Constrafor's customer quotes and network counters (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.

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  • What you actually pay, and on what basis (neither publishes full prices)
  • How each AI reviewer handles your specific endorsement and additional insured wording, and how often staff still have to correct it
  • Whether you need payments, contracts and prequalification in the same platform or only COI tracking
  • 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?

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