Notes on construction insurance compliance.
What we're reading, hearing and learning about contractor COIs, project requirements and the risk that slips between them. Plain answers, with the sources linked.
- COI basics
- Forsured news
- Event takeaways
- Industry news
- How-to
- Market outlook
What does primary and noncontributory mean on a COI?
Primary and noncontributory decides whose policy pays first when a contractor's work causes a loss. What it means, which endorsement creates it, and what to check.
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All posts
- Forsured news
What we heard at our first IRMI Construction Risk Conference
Forsured spent IRMI's 2026 Construction Risk Conference talking COIs with brokers, carriers and contractors. Five things we heard, and what we're doing about them.
- COI basics
A COI on file isn't proof of coverage
A certificate of insurance shows what a contractor bought on one day. Here's what it can't tell you, and what to check against your project requirements instead.
- Event takeaways
3 takeaways from day 2 of IRMI's Construction Risk Conference
Additional insured endorsements, prequalification as a snapshot, and insurance data you can't search. What we were digging into on day 2 at IRMI CRC 2026.
- Industry news
IRMI is rewriting its design-build risk and insurance guide
IRMI picked American Global to rewrite its Design-Build Risk and Insurance guide. What the update covers, and what design-build means for contractor COI review.
- How-to
How to check a contractor COI against your project requirements
A practical checklist for checking a contractor certificate of insurance against one project's requirements: coverages, limits, dates and endorsements.
- Event takeaways
3 takeaways from day 1 of IRMI's Construction Risk Conference
Crowded bids and thin margins, umbrella rates still rising, and contractor management turning into an underwriting factor. What stuck with us from day 1 at IRMI CRC 2026.
- Market outlook
What the 2027 construction insurance outlook means for contractor COIs
WTW forecasts construction umbrella and excess rates up 5% to 15% in 2027. Here's the full outlook by line, and why it raises the stakes on contractor COI review.