SmartCOI vs Billy

Built specifically for property managers. SmartCOI is designed for property management workflows: tracking vendor and tenant COIs across properties, managing compliance templates for CRE requirements, and handling the specific coverage types property managers need. Billy is designed for GCs managing subcontractors on construction projects — a fundamentally different workflow.

Tenant compliance tracking. Property managers need to track tenant insurance alongside vendor insurance. SmartCOI has built-in tenant compliance with its own templates and workflows. Billy doesn't address tenant insurance because construction GCs don't have tenants.

Property-centric organization. SmartCOI organizes compliance by property, which is how property managers think about their portfolio. Billy uses a project-based structure designed for construction jobs.

Self-serve with transparent pricing. Sign up at $79/mo, upload your COIs, and you're running. No demo required, no sales process, no implementation period.

CRE-specific compliance templates. Default templates are pre-configured for the coverage types and limits property managers typically require — general liability, workers' comp, commercial auto, and umbrella for vendors, plus renters insurance and liability for tenants.

Deep Procore integration. Billy has a native integration with Procore, the dominant construction project management platform. If your organization runs on Procore, Billy's integration means COI data flows directly into your existing project workflows.

Construction-specific workflows. Billy understands construction compliance — bid phase requirements, project-specific insurance thresholds, subcontractor tiers, and the unique regulatory requirements of construction projects.

GC-oriented features. Features like subcontractor prequalification, project-level compliance views, and construction-specific coverage requirements are purpose-built for general contractors.

Construction industry expertise. Billy's team and product are focused exclusively on construction compliance, which means deeper domain knowledge for that specific industry.

Choose SmartCOI if you're a commercial property manager tracking vendor and tenant insurance compliance across your portfolio. SmartCOI is built for your workflow, not adapted from a construction tool.

Choose Billy if you're a general contractor or construction firm managing subcontractor compliance, especially if you use Procore as your project management platform.