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Resources

The reference shelf for COI and risk transfer work

Endorsement guides, benchmark data, review checklists, exhibit wording and a glossary, written by construction risk practitioners for the people who read certificates for a living.

Flagship resource

The ISO Endorsement Library

Legal purpose, edition history, carrier defect traps, model exhibit wording and tender defensibility for 20 ISO and NCCI forms, from CG 20 10 to WC 00 03 13. Search it by form number, line of business or the protection you need.

CG 20 10 across five editions

  1. 11 85Covered “your work”: ongoing and completed
  2. 10 93Limited to ongoing operations
  3. 10 01CG 20 37 introduced for completed ops
  4. 07 04“Caused, in whole or in part, by”
  5. 04 13No broader than the contract requires

Everything else

Data, tools and templates

Benchmarks to size the problem, tools to price it, and the checklists and exhibit wording to fix it.

71% of subcontractor COIs are deficient on first review (AGC Risk Committee Audit). The benchmark breaks that down by trade and by deficiency, with what a denied tender costs.

Percent of COIs deficient on first review: Roofing 84%, Structural steel 78%, Excavation & sitework 76%, Concrete 73%, Drywall & framing 71%, HVAC & mechanical 67%, Plumbing 65%, Electrical 62%. Pikorua Security Benchmark Data.
150
Deficient COIs
106
Admin hours / yr
600
Payroll / yr
$27K

71% defect rate (AGC Risk Committee Audit), 4 review and chase hours per sub a year, $45 loaded hourly cost.

Glossary · 59 termsA to Z
Additional insured

A person or organization added to someone else's policy by endorsement, giving it its own right to defense and indemnity under that policy within the limits and conditions the endorsement sets.

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Insurance exhibit wording that names forms, editions and limits, so certificates can be checked against it.

Subcontractor shall cause Contractor and Owner to be included as additional insureds under its CGL policy for ongoing and completed operations, on ISO CG 20 10 04 13 and CG 20 37 04 13 or forms no less broad, on a primary and non-contributory basis.

What each approach actually checks, and where the gaps open. Read the full comparisons for spreadsheets and front-page OCR tools.

What each COI tracking approach checks
CheckSpreadsheetFront-page OCRPikorua Security
Reads ACORD 25 limits and datesBy hand YesYes, with AM Best by NAIC number
Reads endorsement pages and edition datesBy handFront page onlyEvery page, by edition
Chases the vendor's producer NoVendor remindersVendor and producer, 60/30/15/0
Holds payment and site access No NoProcore, Yardi, AppFolio, CMiC

Start here

A reading order for each role

Four people usually share COI work. Each needs a different first page.

Monthly

The Risk Transfer Brief

Construction insurance litigation, endorsement changes and risk transfer strategy, once a month. No vendor pitches.

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