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
- 11 85Covered “your work”: ongoing and completed
- 10 93Limited to ongoing operations
- 10 01CG 20 37 introduced for completed ops
- 07 04“Caused, in whole or in part, by”
- 04 13No broader than the contract requires
Everything else
Data, tools and templates
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.
- 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.
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.
Blog
All 12What each approach actually checks, and where the gaps open. Read the full comparisons for spreadsheets and front-page OCR tools.
| Check | Spreadsheet | Front-page OCR | Pikorua Security |
|---|---|---|---|
| Reads ACORD 25 limits and dates | By hand | Yes | Yes, with AM Best by NAIC number |
| Reads endorsement pages and edition dates | By hand | Front page only | Every page, by edition |
| Chases the vendor's producer | No | Vendor reminders | Vendor and producer, 60/30/15/0 |
| Holds payment and site access | No | No | Procore, Yardi, AppFolio, CMiC |
Start here
A reading order for each role
| Role | Start with | Then read | Keep handy |
|---|---|---|---|
| VP Risk Management | ISO Endorsement Library | 2026 Benchmark Report | Tender defense package checklist |
| Director of Construction Operations | Subcontractor COI intake checklist | Spreadsheets vs. Pikorua Security | Risk Exposure Calculator |
| Project Accountant / Controller | Risk Exposure Calculator | Automated invoice holds | Renewal and expiry checklist |
| Property Operations Manager | Vendor entry checklist | Tenant lease insurance checklist | Model contract clauses |
Monthly
The Risk Transfer Brief
Construction insurance litigation, endorsement changes and risk transfer strategy, once a month. No vendor pitches.
14-day free production trial
Stop letting non-compliant vendors expose your balance sheet.
Upload your current subcontractor COI files. Pikorua Security shows you every hidden coverage defect in 10 minutes.