Why we're starting COI Journal

Every construction project runs on a stack of paper that most people only read when something breaks. The certificate of insurance says a contractor is covered. The endorsements say who else is covered and how. The project requirements say what everyone agreed to. When those three don't line up, the gap shows up later, usually after an injury, a claim or a denied tender.

That gap is our beat.

What we'll publish

• The news desk. Carrier, state and court changes that change what a general contractor or broker has to check.
• COI 101. Short explainers on one term at a time: additional insured, primary and noncontributory, waiver of subrogation, per project aggregate.
• COI Watch. A running log of rating changes, new endorsement forms, rule changes and large project awards.
• The Claim File. One case a month from public records: what the COI said, what the policy said, and who paid.
• The COI Gap Index. Our flagship research: what share of contractor COIs fail project requirements, and why. It launches once the sample is big enough to be honest. Our methodology explains the rules.

Who publishes it

COI Journal is published by Forsured, a construction insurance compliance software company. We're not hiding that, and we never will. You'll see "Published by Forsured" at the top of every page and the bottom of every email.

Because we sell software in this category, we hold ourselves to a few rules. We don't rank, grade or review software vendors here, ours included. We don't publish Forsured company news here. We cite every fact we didn't produce ourselves, and we fix mistakes in the open. The full list is in our publishing principles.

How to take part

Get The COI Digest, our weekly email, on Tuesday mornings. Send us a gap that bit you through Gap of the Month. And if you're a broker or a risk lead with something to say, write to us. Contributors keep their own bylines.