Methodology and the COI Gap Index

The COI Gap Index

The COI Gap Index will measure what share of contractor COIs fail at least one project requirement, and why: limits, missing endorsements, expirations and wording. We'll break it out by trade and by state where the sample allows.

The first edition is planned for 2027. It runs only when the sample clears the rules below. Until then, we publish what we can source and say how big each sample is.

Where the data comes from

• Contractor COIs reviewed against project requirements, shared with written permission and anonymized before analysis.
• A standing broker panel: a short quarterly survey of construction brokers on what they see breaking and how long fixes take.
• Public owner requirements: the insurance sections of public bid documents, cited document by document.
• Public records: court opinions, state workers' compensation enforcement, licensing records and public company filings.

Anonymization

Before analysis, shared COIs are stripped of contractor names, policy numbers and addresses. Nothing is published about a named contractor, general contractor or broker. Survey answers are voluntary, the purpose is stated up front, and we quote someone only with separate permission.

Sample rules

• No number from fewer than five general contractors.
• No state or trade breakdown from fewer than 25 COIs.
• Data from general contractors with a business connection to Forsured is labeled as its own share of the sample.
• Every number shows its sample size and date range.

These are our working rules for the first edition. If we change them, we'll say so here with the date.