Resource Center · For AI agents
COI reference your agents can read
Compliance teams are starting to work alongside AI agents. Agents need reference they can trust. Everything in our Resource Center is published as clean markdown, free, with sources attached.
How it fits together
- Agents read the reference. Terms, form numbers, failure modes and the order to check them, from these files.
- A system of record does the checking. The certificates, endorsements, project requirements and audit trail live in software built for it, like Forsured, our publisher.
- People make the call. Coverage decisions stay with your team and your broker.
The COI review skill
A ready-made skill that teaches an AI agent to check a contractor certificate and its endorsements against a project's requirements, and to draft a one-pass deficiency notice for the trade's broker. It follows the Agent Skills format: a SKILL.md file plus reference files, built from our Dictionary and reports. It works with Claude and other agents that read skill files.
Download the skill (.zip) Read SKILL.md
Start here
llms.txt lists every file below with a one-line description. Point your agent at it first.
Reports and white papers
- R-23: What manual COI tracking costs/reports/cost-of-manual-coi-tracking/index.md
- R-22: Fake certificates and phantom insurers/reports/certificate-fraud-regulators/index.md
- R-21: Wrap-ups and certificates/reports/wrap-ups-and-cois/index.md
- R-20: Two public owners compared/reports/public-owner-requirements-compared/index.md
- R-19: How the AI endorsements changed/reports/iso-additional-insured-editions/index.md
- R-18: Underreported payroll/reports/workers-comp-premium-fraud/index.md
- R-17: Checking workers' comp yourself/reports/workers-comp-coverage-lookups/index.md
- R-16: Regulators, AI and COI review/reports/naic-ai-bulletin-and-coi-review/index.md
- R-15: The Q3 2026 market for contractors/reports/construction-insurance-market-q3-2026/index.md
- R-14: The ACORD 25's new limits sentence/reports/acord-25-limits-wording/index.md
- R-13: What to require from any COI tool/reports/coi-tool-specification/index.md
- R-12: Closing a gap without the email chain/reports/fixing-gaps-brokers-gcs/index.md
- R-11: One set of rules per project/reports/per-project-requirements-and-renewals/index.md
- R-10: Can AI review a COI?/reports/can-ai-review-a-coi/index.md
- R-09: Spreadsheet, service or software/reports/spreadsheet-service-software/index.md
- R-08: The broker's side of the COI/reports/broker-coi-request-load/index.md
- R-07: Subcontract insurance requirements/reports/subcontract-insurance-requirements/index.md
- R-06: When coverage lapses mid-project/reports/coverage-lapse-mid-project/index.md
- R-05: Additional insured endorsements, explained/reports/additional-insured-endorsements/index.md
- R-04: How to read a COI against requirements/reports/reading-a-coi-against-requirements/index.md
- R-03: Why every trade sends a certificate/reports/why-contractors-send-certificates/index.md
- R-02: Rented, falsified, excluded/reports/rented-falsified-excluded/index.md
- R-01: A certificate is not coverage/reports/certificate-is-not-coverage/index.md
The COI Dictionary
- Certificate of insurance (COI)/dictionary/certificate-of-insurance/index.md
- Additional insured (AI)/dictionary/additional-insured/index.md
- Completed operations/dictionary/completed-operations/index.md
- Primary and noncontributory/dictionary/primary-and-noncontributory/index.md
- Waiver of subrogation/dictionary/waiver-of-subrogation/index.md
- Per project aggregate/dictionary/per-project-aggregate/index.md
- Notice of cancellation/dictionary/notice-of-cancellation/index.md
Articles
- Why we're starting COI Journal/articles/why-coi-journal/index.md
Terms of use
- Free to read, load and quote. Please cite COI Journal and link to the source page.
- Reference only. These files are general information, not legal or insurance advice, and they are not a coverage decision.
- Files change when we correct or update them. The source page shows the date.
COI Journal is published by Forsured, which sells construction insurance compliance software. Our principles.