Wardly vs. Billy
Yes—if your main job is collecting and grading subcontractor COIs, Wardly is a strong Billy alternative. Wardly is 100% free and self-serve, with no-login uploads and automatic A–F grading. Billy is a paid, construction-native suite that also bundles prequalification and lien-waiver tools.
Billy is a construction-native compliance platform that tracks COIs alongside subcontractor prequalification, lien waivers, and W-9s. Wardly is 100% free certificate-of-insurance tracking built for general contractors who just need their subcontractors’ COIs collected, graded, and monitored—without a paid subscription.
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The clearest difference: Wardly is free forever for unlimited subcontractors; Billy is paid software with quote-only pricing.
Free forever
- Unlimited subcontractors—no per-vendor fees
- No credit card, no trial that expires
- Subs upload with no account
Paid — contact sales for a quote
- No public pricing; demo required to get a quote
- Self-service and fully managed plans, priced per vendor
- Free tools for subs (W-9 generator, lien-waiver templates), but the GC platform is paid
Feature comparison
Where the two products genuinely differ—and where they overlap.
| Feature | Wardly | Billy |
|---|---|---|
| Price for COI tracking | Free forever, unlimited subs | Paid, per-vendor (quote-only) |
| Setup & onboarding | Self-serve in minutes | Demo / sales engagement to start |
| Subs upload without an account | ||
| Compliance grading | Instant, automated A–F vs. your rules | AI review + optional managed service |
| Additional insured, waiver & ACORD 25 checks | ||
| Expiration monitoring & reminders | ||
| Subcontractor prequalification | ||
| Lien waivers, W-9 & license tracking | ||
| Construction ERP / PM integrations | Broad (Procore, Sage, CMiC, Vista & more) | |
| Focus | Purpose-built for GCs tracking subs | Construction-native compliance suite |
Where Billy is strong—and where Wardly wins
Where Billy is strong
- Genuinely construction-native—built specifically for the GC–subcontractor workflow.
- Goes beyond COIs: subcontractor prequalification, lien-waiver tracking, W-9s, and business-license verification in one platform.
- Subs submit documents from an emailed link with no login, plus free sub tools (W-9 generator, lien-waiver templates).
- Broad construction-ERP and PM integrations (Procore, Sage, CMiC, Viewpoint Vista and more) and an optional managed review service.
Where Wardly wins for GCs
- 100% free forever—unlimited subs, no credit card, no per-vendor fees.
- Live in minutes—self-serve, no demo or sales cycle.
- Subs upload from a link with no account, so COIs actually come in.
- Instant, automated A–F grading against your own requirements.
- Focused on COIs—no upsell into a broader paid compliance suite.
Who should use Billy?
Billy is a strong fit for general contractors who want a single construction-native platform that goes well beyond certificates of insurance—adding subcontractor prequalification, lien-waiver and W-9 tracking, business-license verification, and deep integrations with construction ERPs and project-management tools. If you want that broader compliance suite, an optional managed team to review certificates for you, and you have budget for paid per-vendor software, Billy is a credible, focused choice.
Wardly is the better fit ifyou’re a general contractor who mainly needs subcontractor COIs collected, graded, and monitored—you want to start today, keep it simple for your subs, grade every certificate automatically, and pay nothing, forever—without committing to a paid platform.
Frequently asked questions
Is Wardly a good Billy alternative?
If your main job is collecting and grading subcontractor certificates of insurance, yes. Wardly is 100% free, self-serve, and your subs upload their COI from a secure link with no account to create. Billy is a paid, construction-native compliance platform that does COI tracking too, but also bundles subcontractor prequalification, lien-waiver and W-9 tools, and deep construction-ERP integrations—useful if you need that broader compliance suite.
How much does Billy cost compared to Wardly?
Billy does not publish pricing on its site—you book a demo to get a quote, and it offers both self-service and fully managed plans priced per vendor. Wardly is free forever: unlimited subcontractors, no credit card, no trial that expires, and no paid tier to graduate into. The clearest difference is that Wardly costs nothing to track COIs, while Billy is paid software.
Is there a free alternative to Billy for COI tracking?
Yes—Wardly. It is free forever for unlimited subcontractors, with no credit card and no sales call. You set your insurance requirements, add subs, and send upload links; Wardly reads each ACORD 25 certificate and grades it A–F automatically. Billy offers some free tools for the subcontractors you collect from (like a W-9 generator and lien-waiver templates), but the COI-tracking platform itself is paid for general contractors.
Does Wardly do prequalification and lien waivers like Billy?
No—and that is the honest dividing line. Billy is a broader construction compliance platform that also handles subcontractor prequalification, lien-waiver tracking, W-9s, and business-license verification. Wardly is focused: it does COI tracking and grading extremely well, for free. If you need prequalification and lien-waiver workflows in one system, Billy covers more ground. If you mainly need COIs collected, graded, and monitored, Wardly does that without a bill.
Does Wardly check endorsements like additional insured and waiver of subrogation?
Yes. Wardly reads ACORD 25 certificates and verifies coverage limits, additional insured endorsements (including the form, like CG 20 10), waiver of subrogation, and primary and non-contributory language against the requirements you set—then grades each certificate A–F automatically, with 24/7 expiration monitoring and reminders.
Can I switch from Billy to Wardly?
Yes. You can set up your requirements and add subcontractors in minutes, then send upload links to collect current certificates. Because Wardly grades each COI automatically against your standards, you get a clear compliance picture without a lengthy implementation—and at no cost.
Compare Wardly to other COI trackers
See how Wardly stacks up against other certificate-of-insurance tracking tools.
Try the free COI tracker built for GCs.
Add a sub, send an upload link, and get an automatic A–F grade—free forever, no sales call.
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