{
  "title": "Certificate of Insurance Statistics for Construction",
  "url": "https://contractsconnected.com/data/construction-coi-statistics",
  "publisher": "Contracts Connected",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "license_name": "CC BY 4.0",
  "reviewed": "November 2026",
  "checked_on": "2026-11-03",
  "note": "Curated and source-checked compilation of published figures. Not Contracts Connected customer data.",
  "downloads": {
    "csv": "https://contractsconnected.com/data/construction-coi-statistics.csv",
    "json": "https://contractsconnected.com/data/construction-coi-statistics.json"
  },
  "figures": 20,
  "claim_checks": 11,
  "rows": [
    {
      "id": "irmi-dybdahl-2015-policy-mismatch",
      "title": "One audit of one client's vendors found more than 90% had policies that did not match the contract",
      "section": "How often certificates are wrong (published audits and vendor data)",
      "kind": "figure",
      "statistic": "More than 90%",
      "wording": "In one audit of a single client's vendors, more than 90% had liability policies that did not meet the contract's insurance requirements, even though every certificate showed full compliance.",
      "limit": "This is one client's vendors, in 2015. It is not an industry rate, and it is not a share of certificates failing review. The finding is about the policies behind the certificates.",
      "source_publisher": "David Dybdahl, IRMI Expert Commentary",
      "source_title": "Avoiding Common Insurance Certificate Errors",
      "source_url": "https://www.irmi.com/articles/expert-commentary/avoiding-common-insurance-certificate-errors",
      "source_year": "2015",
      "sample_or_method": "Hundreds of policies from hundreds of artisan contractors working for one client, compared with the client's contract. ARMR did the audit and IRMI published it.",
      "geography": "Not stated (reads as US)",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#irmi-dybdahl-2015-policy-mismatch",
      "cite_as": "Cite as: Contracts Connected, \"One audit of one client's vendors found more than 90% had policies that did not match the contract,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#irmi-dybdahl-2015-policy-mismatch. Original source: David Dybdahl, IRMI Expert Commentary, Avoiding Common Insurance Certificate Errors, 2015. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "irmi-dybdahl-2015-certificates-showed-full-compliance",
      "title": "In the same audit, every certificate showed full compliance",
      "section": "How often certificates are wrong (published audits and vendor data)",
      "kind": "figure",
      "statistic": "100%",
      "wording": "In the same audit, every certificate showed full compliance with the contract. The gaps were in the policies behind them.",
      "limit": "This is the same single-client audit. It makes the point that a certificate is a summary, not proof.",
      "source_publisher": "David Dybdahl, IRMI Expert Commentary",
      "source_title": "Avoiding Common Insurance Certificate Errors",
      "source_url": "https://www.irmi.com/articles/expert-commentary/avoiding-common-insurance-certificate-errors",
      "source_year": "2015",
      "sample_or_method": "Phase 1 of the audit: certificates compared with the contract.",
      "geography": "Not stated (reads as US)",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#irmi-dybdahl-2015-certificates-showed-full-compliance",
      "cite_as": "Cite as: Contracts Connected, \"In the same audit, every certificate showed full compliance,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#irmi-dybdahl-2015-certificates-showed-full-compliance. Original source: David Dybdahl, IRMI Expert Commentary, Avoiding Common Insurance Certificate Errors, 2015. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "irmi-dybdahl-2015-gl-cpl-coverage-gaps",
      "title": "In the same audit, 70% of policies had a gap between general liability and pollution liability coverage",
      "section": "How often certificates are wrong (published audits and vendor data)",
      "kind": "figure",
      "statistic": "70%",
      "wording": "In the same multi-year audit, 70% of the audited policies had a material gap where the general liability and contractor's pollution liability policies meet.",
      "limit": "This is about how two policy types fit together, not about certificates. It is not the 70% in the myCOI claim check below, and no link between the two was found.",
      "source_publisher": "David Dybdahl, IRMI Expert Commentary",
      "source_title": "Avoiding Common Insurance Certificate Errors",
      "source_url": "https://www.irmi.com/articles/expert-commentary/avoiding-common-insurance-certificate-errors",
      "source_year": "2015",
      "sample_or_method": "Policy review in the same audit, in an environmental-insurance setting.",
      "geography": "Not stated (reads as US)",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#irmi-dybdahl-2015-gl-cpl-coverage-gaps",
      "cite_as": "Cite as: Contracts Connected, \"In the same audit, 70% of policies had a gap between general liability and pollution liability coverage,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#irmi-dybdahl-2015-gl-cpl-coverage-gaps. Original source: David Dybdahl, IRMI Expert Commentary, Avoiding Common Insurance Certificate Errors, 2015. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "rr-magazine-dybdahl-2015-audit-of-100-policies",
      "title": "A trade-magazine write-up counts more than 100 policies in the audit",
      "section": "How often certificates are wrong (published audits and vendor data)",
      "kind": "figure",
      "statistic": "More than 100 policies",
      "wording": "A 2015 trade-magazine write-up of the audit counts 'more than 100' policies from restoration contractors under one insurer's master services contract.",
      "limit": "It counts more than 100 policies for one client, where the IRMI article says hundreds. The two likely describe the same audit, but that is not confirmed.",
      "source_publisher": "David Dybdahl, R&R Magazine",
      "source_title": "Part One: Fixing Gaps in Your Liability Insurance Policies",
      "source_url": "https://www.randrmagonline.com/articles/86561-part-one-fixing-gaps-in-your-liability-insurance-policies",
      "source_year": "2015",
      "sample_or_method": "Audit of liability policies from restoration contractors under one insurer's master services contract.",
      "geography": "US",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#rr-magazine-dybdahl-2015-audit-of-100-policies",
      "cite_as": "Cite as: Contracts Connected, \"A trade-magazine write-up counts more than 100 policies in the audit,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#rr-magazine-dybdahl-2015-audit-of-100-policies. Original source: David Dybdahl, R&R Magazine, Part One: Fixing Gaps in Your Liability Insurance Policies, 2015. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "jones-2024-three-items-flagged-on-vendor-and-tenant-cois",
      "title": "For one real estate client, three certificate items were still flagged on more than 40% of certificates",
      "section": "How often certificates are wrong (published audits and vendor data)",
      "kind": "figure",
      "statistic": "More than 40%",
      "wording": "For one real estate client, three items (certificate holder name, 30 days' notice of cancellation and additional insured status) were still flagged on more than 40% of vendor and tenant certificates after the client moved to managed review.",
      "limit": "This is one real estate company and three items only. It is not construction, and it is not an overall failure rate. Jones is a vendor describing its own data.",
      "source_publisher": "Jones",
      "source_title": "The Jones Insurance Insider #10",
      "source_url": "https://getjones.com/blog/the-jones-insurance-insider-10-boosting-compliance-by-busting-coi-myths/",
      "source_year": "2024",
      "sample_or_method": "One West Coast real estate company's portfolio, flagged item by item.",
      "geography": "Not stated",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#jones-2024-three-items-flagged-on-vendor-and-tenant-cois",
      "cite_as": "Cite as: Contracts Connected, \"For one real estate client, three certificate items were still flagged on more than 40% of certificates,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#jones-2024-three-items-flagged-on-vendor-and-tenant-cois. Original source: Jones, The Jones Insurance Insider #10, 2024. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "evident-2021-third-parties-not-meeting-insurance-requirements",
      "title": "Evident: 75% of its customers' third parties did not meet every insurance requirement",
      "section": "How often certificates are wrong (published audits and vendor data)",
      "kind": "figure",
      "statistic": "75%",
      "wording": "Evident, an insurance verification vendor, reported in 2021 that 75% of the third parties in its customers' programs did not meet every insurance requirement.",
      "limit": "This is Evident's customer data, and the 75% includes vendors that never responded. It is not a construction rate or a certificate error rate. The full report is gated, so we read a reprint of the release.",
      "source_publisher": "Evident",
      "source_title": "State of Third-Party Insurance Verification",
      "source_url": "https://metroatlantaceo.com/news/2021/07/significant-shortfalls-third-party-insurance-coverage-detailed-new-report",
      "source_year": "2021",
      "sample_or_method": "Records from Evident's enterprise customers and the third parties they verify (\"tens of thousands of verification records\"). Read in a reprint of the release by Metro Atlanta CEO. The definition of \"meet requirements\" and the industry mix sit behind a gated report.",
      "geography": "Not stated",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#evident-2021-third-parties-not-meeting-insurance-requirements",
      "cite_as": "Cite as: Contracts Connected, \"Evident: 75% of its customers' third parties did not meet every insurance requirement,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#evident-2021-third-parties-not-meeting-insurance-requirements. Original source: Evident, State of Third-Party Insurance Verification, 2021. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "evident-2021-third-parties-that-do-not-respond",
      "title": "Evident: about 23% of third parties did not respond at all",
      "section": "How often certificates are wrong (published audits and vendor data)",
      "kind": "figure",
      "statistic": "23%",
      "wording": "In the same 2021 report, about 23% of third parties did not respond at all to requests for proof of insurance.",
      "limit": "These are the same limits as the 75% above. The figure is about vendors not responding, not about certificate errors.",
      "source_publisher": "Evident",
      "source_title": "State of Third-Party Insurance Verification",
      "source_url": "https://metroatlantaceo.com/news/2021/07/significant-shortfalls-third-party-insurance-coverage-detailed-new-report",
      "source_year": "2021",
      "sample_or_method": "The same 2021 report and customer records as the 75% figure. Read in a reprint of the release by Metro Atlanta CEO.",
      "geography": "Not stated",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#evident-2021-third-parties-that-do-not-respond",
      "cite_as": "Cite as: Contracts Connected, \"Evident: about 23% of third parties did not respond at all,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#evident-2021-third-parties-that-do-not-respond. Original source: Evident, State of Third-Party Insurance Verification, 2021. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "evident-2023-benchmark-incomplete-compliance-and-exceptions",
      "title": "Evident's 2023 benchmark: 36% did not finish the compliance process and 16% were granted exceptions",
      "section": "How often certificates are wrong (published audits and vendor data)",
      "kind": "figure",
      "statistic": "36% and 16%",
      "wording": "In its 2023 benchmark report, Evident said \"36% of members responded to the initial request but did not complete the compliance process\" and \"16% of members were granted exceptions.\"",
      "limit": "This comes from a press release only. It covers all industries and gives no sample size, and the release does not define \"members.\" Construction is one of the industries it lists.",
      "source_publisher": "Evident",
      "source_title": "2023 benchmark report (press release, PR Newswire, November 15, 2023)",
      "source_url": "https://prnewswire.com/news-releases/evident-unveils-groundbreaking-benchmark-report-highlighting-risks-in-third-party-insurance-coverage-verification-301988688.html",
      "source_year": "2023",
      "sample_or_method": "Press release. Sample not stated.",
      "geography": "Not stated",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#evident-2023-benchmark-incomplete-compliance-and-exceptions",
      "cite_as": "Cite as: Contracts Connected, \"Evident's 2023 benchmark: 36% did not finish the compliance process and 16% were granted exceptions,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#evident-2023-benchmark-incomplete-compliance-and-exceptions. Original source: Evident, 2023 benchmark report (press release, PR Newswire, November 15, 2023), 2023. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "ncoil-2012-certificates-of-insurance-model-act",
      "title": "The NCOIL model act says a certificate does not change the coverage",
      "section": "What the law says a certificate is",
      "kind": "figure",
      "statistic": "Model act, 2012",
      "wording": "The National Council of Insurance Legislators adopted a Certificates of Insurance Model Act on November 18, 2012 and readopted it in 2017 and 2022. It says a certificate 'does not affirmatively or negatively amend, extend, or alter the coverage' and may not warrant that a policy meets a contract's requirements.",
      "limit": "This is a model act, and states pass their own versions. We did not find a current list of states that enacted it.",
      "source_publisher": "National Council of Insurance Legislators (NCOIL)",
      "source_title": "Certificates of Insurance Model Act",
      "source_url": "https://ncoil.org/wp-content/uploads/2025/12/Certificates-Model-re-adopted-7-16-22.pdf",
      "source_year": "2012",
      "sample_or_method": "Statutory text of the model act (Sections 3(D) and 4(B)). Adopted 2012, readopted 2017 and 2022.",
      "geography": "US",
      "status": "Reviewed",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#ncoil-2012-certificates-of-insurance-model-act",
      "cite_as": "Cite as: Contracts Connected, \"The NCOIL model act says a certificate does not change the coverage,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#ncoil-2012-certificates-of-insurance-model-act. Original source: National Council of Insurance Legislators (NCOIL), Certificates of Insurance Model Act, 2012. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "irmi-dybdahl-2015-state-certificate-misrepresentation-laws",
      "title": "By 2015, laws in over 45 states made it illegal to issue a certificate that misrepresents the policy",
      "section": "What the law says a certificate is",
      "kind": "figure",
      "statistic": "Over 45 states",
      "wording": "By 2015, the Independent Insurance Agents and Brokers of America had helped pass laws in over 45 states that make it illegal to issue a certificate that misrepresents the policy.",
      "limit": "This is one author's description in 2015. It comes with no state list and is not a legislative count.",
      "source_publisher": "David Dybdahl, IRMI Expert Commentary",
      "source_title": "Avoiding Common Insurance Certificate Errors",
      "source_url": "https://www.irmi.com/articles/expert-commentary/avoiding-common-insurance-certificate-errors",
      "source_year": "2015",
      "sample_or_method": "The author's description of an agents' trade group push. Not a count of statutes.",
      "geography": "US",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#irmi-dybdahl-2015-state-certificate-misrepresentation-laws",
      "cite_as": "Cite as: Contracts Connected, \"By 2015, laws in over 45 states made it illegal to issue a certificate that misrepresents the policy,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#irmi-dybdahl-2015-state-certificate-misrepresentation-laws. Original source: David Dybdahl, IRMI Expert Commentary, Avoiding Common Insurance Certificate Errors, 2015. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "caif-2022-workers-comp-fraud-estimate",
      "title": "A fraud task force put workers' compensation fraud at $34 billion a year in 2022",
      "section": "Uninsured and under-insured vendors",
      "kind": "figure",
      "statistic": "$34 billion",
      "wording": "A Coalition Against Insurance Fraud task force put workers' compensation fraud at $34 billion a year in 2022.",
      "limit": "This is an expert-group estimate across premium, claimant and provider fraud, for all industries. It is not about construction or certificates, and the foreword gives no calculation.",
      "source_publisher": "Coalition Against Insurance Fraud",
      "source_title": "Workers' Compensation Fraud in America (2023 report)",
      "source_url": "https://insurancefraud.org/wp-content/uploads/2023-Workers-Comp-report.pdf",
      "source_year": "2022",
      "sample_or_method": "Estimate by a task force of insurance fraud experts, in the foreword of the 2023 report.",
      "geography": "US",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#caif-2022-workers-comp-fraud-estimate",
      "cite_as": "Cite as: Contracts Connected, \"A fraud task force put workers' compensation fraud at $34 billion a year in 2022,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#caif-2022-workers-comp-fraud-estimate. Original source: Coalition Against Insurance Fraud, Workers' Compensation Fraud in America (2023 report), 2022. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "tdi-2022-texas-employers-carrying-workers-comp",
      "title": "In 2022, 75% of Texas private-sector employers carried workers' compensation",
      "section": "Uninsured and under-insured vendors",
      "kind": "figure",
      "statistic": "75%",
      "wording": "In a 2022 Texas Department of Insurance survey, 75% of private-sector employers carried workers' compensation. Texas lets private-sector employers choose whether to offer it.",
      "limit": "This is one state, from a survey of 1,619 employers, and it covers all industries.",
      "source_publisher": "Texas Department of Insurance, Research and Evaluation Group",
      "source_title": "Employer Participation in the Texas Workers' Compensation System, 2022 Estimates",
      "source_url": "https://www.tdi.texas.gov/wc/reg/nonsub2022.html",
      "source_year": "2022",
      "sample_or_method": "Interviews of 1,619 year-round private-sector Texas employers, with Texas A&M's Public Policy Research Institute.",
      "geography": "US (Texas)",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#tdi-2022-texas-employers-carrying-workers-comp",
      "cite_as": "Cite as: Contracts Connected, \"In 2022, 75% of Texas private-sector employers carried workers' compensation,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#tdi-2022-texas-employers-carrying-workers-comp. Original source: Texas Department of Insurance, Research and Evaluation Group, Employer Participation in the Texas Workers' Compensation System, 2022 Estimates, 2022. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "tdi-2022-texas-mining-utilities-construction-non-subscription",
      "title": "In 2022, 16% of Texas mining, utilities and construction employers did not carry workers' compensation",
      "section": "Uninsured and under-insured vendors",
      "kind": "figure",
      "statistic": "16%",
      "wording": "In the same 2022 Texas survey, 16% of employers in the combined mining, utilities and construction group did not carry workers' compensation, one of the lowest rates of any industry group.",
      "limit": "This is Texas only and a survey estimate. The rate covers mining, utilities and construction together, so it is not a construction-only rate.",
      "source_publisher": "Texas Department of Insurance, Research and Evaluation Group",
      "source_title": "Employer Participation in the Texas Workers' Compensation System, 2022 Estimates",
      "source_url": "https://www.tdi.texas.gov/wc/reg/nonsub2022.html",
      "source_year": "2022",
      "sample_or_method": "The same Texas employer survey.",
      "geography": "US (Texas)",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#tdi-2022-texas-mining-utilities-construction-non-subscription",
      "cite_as": "Cite as: Contracts Connected, \"In 2022, 16% of Texas mining, utilities and construction employers did not carry workers' compensation,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#tdi-2022-texas-mining-utilities-construction-non-subscription. Original source: Texas Department of Insurance, Research and Evaluation Group, Employer Participation in the Texas Workers' Compensation System, 2022 Estimates, 2022. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "tdi-2022-texas-employees-working-for-subscribers",
      "title": "In 2022, 83% of Texas private-sector employees worked for employers that carried workers' compensation",
      "section": "Uninsured and under-insured vendors",
      "kind": "figure",
      "statistic": "83%",
      "wording": "In the same 2022 Texas survey, 83% of private-sector employees worked for employers that carried workers' compensation, the highest share in 12 years.",
      "limit": "This is Texas only and a survey estimate.",
      "source_publisher": "Texas Department of Insurance, Research and Evaluation Group",
      "source_title": "Employer Participation in the Texas Workers' Compensation System, 2022 Estimates",
      "source_url": "https://www.tdi.texas.gov/wc/reg/nonsub2022.html",
      "source_year": "2022",
      "sample_or_method": "The same Texas employer survey.",
      "geography": "US (Texas)",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#tdi-2022-texas-employees-working-for-subscribers",
      "cite_as": "Cite as: Contracts Connected, \"In 2022, 83% of Texas private-sector employees worked for employers that carried workers' compensation,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#tdi-2022-texas-employees-working-for-subscribers. Original source: Texas Department of Insurance, Research and Evaluation Group, Employer Participation in the Texas Workers' Compensation System, 2022 Estimates, 2022. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "fl-dwc-2018-construction-workers-comp-policies-2017",
      "title": "Florida had 53,804 construction workers' compensation policies in 2017, 19.1% of all policies",
      "section": "Uninsured and under-insured vendors",
      "kind": "figure",
      "statistic": "53,804 policies",
      "wording": "Florida's Division of Workers' Compensation counted 53,804 construction workers' compensation policies in 2017, 19.1% of the state's 282,333 policies.",
      "limit": "This is 2017 data for one state, read from chart labels. We found no newer construction summary.",
      "source_publisher": "Florida Department of Financial Services, Division of Workers' Compensation",
      "source_title": "Workers' Compensation Construction Industry Summary",
      "source_url": "https://myfloridacfo.com/docs-sf/workers-compensation-libraries/workers-comp-documents/reports/2018-construction-industry-summary.pdf",
      "source_year": "2018",
      "sample_or_method": "Policies grouped by effective date. Construction is defined by NCCI class codes in Florida rule 69L-6.021.",
      "geography": "US (Florida)",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#fl-dwc-2018-construction-workers-comp-policies-2017",
      "cite_as": "Cite as: Contracts Connected, \"Florida had 53,804 construction workers' compensation policies in 2017, 19.1% of all policies,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#fl-dwc-2018-construction-workers-comp-policies-2017. Original source: Florida Department of Financial Services, Division of Workers' Compensation, Workers' Compensation Construction Industry Summary, 2018. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "ncci-2026-workers-comp-combined-ratio-2025",
      "title": "NCCI: the 2025 workers' compensation combined ratio was 90.6%",
      "section": "Construction insurance costs and claims",
      "kind": "figure",
      "statistic": "90.6%",
      "wording": "NCCI's final 2025 results put the private-carrier workers' compensation combined ratio at 90.6%. NCCI expects 2026 to land between 91% and 96%, which it says would make 13 years of combined ratios under 100%.",
      "limit": "This is context for premium cost, not a construction number. It covers private carriers in all states.",
      "source_publisher": "NCCI",
      "source_title": "State of the Line: The Latest Results in 2026, 2025 in Review",
      "source_url": "https://www.ncci.com/Articles/documents/SOTL-The-Latest-Results-in-2026-1-Pager-Final.pdf",
      "source_year": "2026",
      "sample_or_method": "NAIC annual statement data, private carriers, all states.",
      "geography": "US",
      "status": "Reviewed",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#ncci-2026-workers-comp-combined-ratio-2025",
      "cite_as": "Cite as: Contracts Connected, \"NCCI: the 2025 workers' compensation combined ratio was 90.6%,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#ncci-2026-workers-comp-combined-ratio-2025. Original source: NCCI, State of the Line: The Latest Results in 2026, 2025 in Review, 2026. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "ncci-2026-workers-comp-net-written-premium-2025",
      "title": "NCCI: workers' compensation net written premium was $41.6 billion in 2025",
      "section": "Construction insurance costs and claims",
      "kind": "figure",
      "statistic": "$41.6 billion",
      "wording": "NCCI's 2025 results put workers' compensation net written premium at $41.6 billion, across all industries.",
      "limit": "This covers all industries, not construction alone.",
      "source_publisher": "NCCI",
      "source_title": "State of the Line: The Latest Results in 2026, 2025 in Review",
      "source_url": "https://www.ncci.com/Articles/documents/SOTL-The-Latest-Results-in-2026-1-Pager-Final.pdf",
      "source_year": "2026",
      "sample_or_method": "NCCI one-page summary. Preliminary and final figures are both $41.6 billion.",
      "geography": "US",
      "status": "Reviewed",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#ncci-2026-workers-comp-net-written-premium-2025",
      "cite_as": "Cite as: Contracts Connected, \"NCCI: workers' compensation net written premium was $41.6 billion in 2025,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#ncci-2026-workers-comp-net-written-premium-2025. Original source: NCCI, State of the Line: The Latest Results in 2026, 2025 in Review, 2026. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "ncci-2026-accident-year-2025-frequency-and-severity",
      "title": "NCCI: accident year 2025 claim frequency fell 2% while indemnity and medical severity each rose 4%",
      "section": "Construction insurance costs and claims",
      "kind": "figure",
      "statistic": "Frequency down 2%",
      "wording": "NCCI's preliminary estimates for accident year 2025 show claim frequency down 2% and both indemnity and medical severity up 4%, across all industries in NCCI states.",
      "limit": "These are preliminary estimates that NCCI says are unchanged from its initial estimates. They cover NCCI states only and all industries. No construction figure is claimed.",
      "source_publisher": "NCCI",
      "source_title": "State of the Line: The Latest Results in 2026, 2025 in Review",
      "source_url": "https://www.ncci.com/Articles/documents/SOTL-The-Latest-Results-in-2026-1-Pager-Final.pdf",
      "source_year": "2026",
      "sample_or_method": "NCCI one-page summary. Preliminary estimates.",
      "geography": "US (NCCI states)",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#ncci-2026-accident-year-2025-frequency-and-severity",
      "cite_as": "Cite as: Contracts Connected, \"NCCI: accident year 2025 claim frequency fell 2% while indemnity and medical severity each rose 4%,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#ncci-2026-accident-year-2025-frequency-and-severity. Original source: NCCI, State of the Line: The Latest Results in 2026, 2025 in Review, 2026. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "nasi-2023-workers-comp-benefits-and-employer-costs",
      "title": "NASI: workers' compensation paid $64.1 billion in benefits and cost employers $106.6 billion in 2023",
      "section": "Construction insurance costs and claims",
      "kind": "figure",
      "statistic": "$64.1 billion",
      "wording": "The National Academy of Social Insurance reports $64.1 billion in workers' compensation benefits paid and $106.6 billion in employer costs in 2023, across all industries.",
      "limit": "This covers all industries, with no construction split. We read NASI's summary page, not the full report.",
      "source_publisher": "National Academy of Social Insurance",
      "source_title": "Workers' Compensation Annual Report, 2023 Data",
      "source_url": "https://www.nasi.org/research/workers-compensation/",
      "source_year": "2023",
      "sample_or_method": "State and carrier data compiled by NASI.",
      "geography": "US",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#nasi-2023-workers-comp-benefits-and-employer-costs",
      "cite_as": "Cite as: Contracts Connected, \"NASI: workers' compensation paid $64.1 billion in benefits and cost employers $106.6 billion in 2023,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#nasi-2023-workers-comp-benefits-and-employer-costs. Original source: National Academy of Social Insurance, Workers' Compensation Annual Report, 2023 Data, 2023. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "bls-2026-construction-and-extraction-fatal-injuries-2024",
      "title": "BLS: construction and extraction workers had 1,032 fatal work injuries in 2024",
      "section": "Construction insurance costs and claims",
      "kind": "figure",
      "statistic": "1,032",
      "wording": "The Bureau of Labor Statistics counted 1,032 fatal work injuries among construction and extraction workers in 2024, out of 5,070 across all occupations.",
      "limit": "This is a safety count, not an insurance claim count. \"Construction and extraction\" is an occupation group.",
      "source_publisher": "Bureau of Labor Statistics",
      "source_title": "Census of Fatal Occupational Injuries (news release, February 19, 2026)",
      "source_url": "https://www.bls.gov/news.release/cfoi.nr0.htm",
      "source_year": "2026",
      "sample_or_method": "Census of fatal work injuries. The total for all workers was 5,070.",
      "geography": "US",
      "status": "Reviewed, with limits",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#bls-2026-construction-and-extraction-fatal-injuries-2024",
      "cite_as": "Cite as: Contracts Connected, \"BLS: construction and extraction workers had 1,032 fatal work injuries in 2024,\" Contracts Connected Data, https://contractsconnected.com/data/construction-coi-statistics#bls-2026-construction-and-extraction-fatal-injuries-2024. Original source: Bureau of Labor Statistics, Census of Fatal Occupational Injuries (news release, February 19, 2026), 2026. Reviewed November 2026. Compilation licensed under CC BY 4.0.",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "irmi-dybdahl-2015-9-in-10-claim-check",
      "title": "Claim check: \"9 out of 10 certificates of insurance are wrong\"",
      "section": "Claim checks: where widely repeated figures came from",
      "kind": "claim_check",
      "statistic": "9 out of 10",
      "wording": "Versions in use: \"9 out of 10 insurance certificates contain material misrepresentations,\" \"IRMI audits found 9 out of 10 certificates failed compliance checks,\" \"an ARMR survey in 2005 found...\" and \"research shows 90%.\"",
      "limit": "It is not an industry rate. It is not \"90% of certificates fail review.\" Certificates passed review in phase 1. It is not construction-wide, and not current. Later repeaters moved the date to 2005, credited IRMI as the auditor (IRMI published it), and in one case inverted the finding. A separate \"90%\" in a 2025 BOMA session write-up is a speaker's estimate with no study.",
      "source_publisher": "David Dybdahl, IRMI Expert Commentary",
      "source_title": "Avoiding Common Insurance Certificate Errors",
      "source_url": "https://www.irmi.com/articles/expert-commentary/avoiding-common-insurance-certificate-errors",
      "source_year": "2015",
      "sample_or_method": "One audit of one client's vendors. See the figures in section A.",
      "geography": "Not stated (reads as US)",
      "status": "Claim check: not cited as a finding",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#irmi-dybdahl-2015-9-in-10-claim-check",
      "cite_as": "",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "mycoi-2017-70-percent-claim-check",
      "title": "Claim check: \"70% of certificates are non-compliant when first received\"",
      "section": "Claim checks: where widely repeated figures came from",
      "kind": "claim_check",
      "statistic": "70%",
      "wording": "\"On average, 70% of certificates are non-compliant when they're first received.\" Variants: \"seven out of every ten COIs have been shown to be non-compliant\" (Vertikal, 2019), \"70% of building contractors are noncompliant\" (a 2017 Forbes contributor post), \"over 70% ... on construction projects\" (2025, credited to \"industry data\"), and \"according to Jones Insurance, 7 out of 10\" (2026).",
      "limit": "No sample, no definition of \"non-compliant,\" no count of certificates, no industry, no year. The unit also changes across repeaters (certificates, contractors, COIs \"on construction projects\"). One repeater's link to Jones for the same figure does not contain it. The 2015 IRMI article has its own 70% (shown in section A), about policy gaps, with no link found between the two.",
      "source_publisher": "myCOI",
      "source_title": "Blog post, February 10, 2017 (read in an archive copy; now hosted at illumend.ai)",
      "source_url": "https://www.illumend.ai/insurance-knowledge/how-would-you-respond-to-your-board-when-asked-about-insurance-compliance",
      "source_year": "2017",
      "sample_or_method": "No sample or method published.",
      "geography": "Not stated",
      "status": "Claim check: not cited as a finding",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#mycoi-2017-70-percent-claim-check",
      "cite_as": "",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "evident-2021-75-percent-claim-check",
      "title": "Claim check: \"75% of third parties do not meet insurance requirements\"",
      "section": "Claim checks: where widely repeated figures came from",
      "kind": "claim_check",
      "statistic": "75%",
      "wording": "\"75% of third-party vendors do not meet the insurance requirements of the companies that hire them,\" often as a construction or COI error rate.",
      "limit": "It does not say which industries, which requirements or how \"meet\" is defined. The full report is gated. The 2023 release lists construction among many industries but gives no construction rate. The 75% includes vendors who did not respond, so it mixes \"did not answer\" with \"answered with a gap.\" It is not a share of certificates containing errors.",
      "source_publisher": "Evident",
      "source_title": "State of Third-Party Insurance Verification",
      "source_url": "https://metroatlantaceo.com/news/2021/07/significant-shortfalls-third-party-insurance-coverage-detailed-new-report",
      "source_year": "2021",
      "sample_or_method": "Evident's customer records. Read in a reprint of the release by Metro Atlanta CEO.",
      "geography": "Not stated",
      "status": "Claim check: not cited as a finding",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#evident-2021-75-percent-claim-check",
      "cite_as": "",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "mycoi-2017-70-percent-non-compliant-first-received",
      "title": "myCOI: \"70% of certificates are non-compliant when they're first received\"",
      "section": "Claim checks: where widely repeated figures came from",
      "kind": "claim_check",
      "statistic": "70%",
      "wording": "\"On average, 70% of certificates are non-compliant when they're first received.\"",
      "limit": "The earliest dated source we found is a myCOI blog post from February 10, 2017, now hosted at illumend.ai. No sample, method or period is given anywhere.",
      "source_publisher": "myCOI",
      "source_title": "Blog post, February 10, 2017 (read in an archive copy; now hosted at illumend.ai)",
      "source_url": "https://www.illumend.ai/insurance-knowledge/how-would-you-respond-to-your-board-when-asked-about-insurance-compliance",
      "source_year": "2017",
      "sample_or_method": "",
      "geography": "",
      "status": "Claim check: not cited as a finding",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#mycoi-2017-70-percent-non-compliant-first-received",
      "cite_as": "",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "buildings-com-2025-boma-session-90-percent-cois-incorrect",
      "title": "A 2025 BOMA session write-up: \"90% of COIs are initially incorrect\"",
      "section": "Claim checks: where widely repeated figures came from",
      "kind": "claim_check",
      "statistic": "90%",
      "wording": "\"90% of COIs are initially incorrect.\"",
      "limit": "The article gives the speaker's own estimate (\"he estimates\") and cites no study. The setting is property management.",
      "source_publisher": "Buildings.com",
      "source_title": "Why most COIs fail, and what property managers must do instead (article on a 2025 BOMA session, June 30, 2025)",
      "source_url": "https://www.buildings.com/industry-news/article/55300204/why-most-cois-failand-what-property-managers-must-do-instead",
      "source_year": "2025",
      "sample_or_method": "",
      "geography": "",
      "status": "Claim check: not cited as a finding",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#buildings-com-2025-boma-session-90-percent-cois-incorrect",
      "cite_as": "",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "caif-insurance-fraud-308-6-billion-a-year",
      "title": "Coalition Against Insurance Fraud: \"Insurance fraud steals $308.6 billion a year\"",
      "section": "Claim checks: where widely repeated figures came from",
      "kind": "claim_check",
      "statistic": "$308.6 billion",
      "wording": "\"Insurance fraud steals at least $308.6B every year from American consumers.\"",
      "limit": "The page gives no year, producer or method. The NAIC page that repeats the figure does not mention construction, premium fraud or certificates. The figure covers all insurance lines.",
      "source_publisher": "Coalition Against Insurance Fraud",
      "source_title": "Fraud stats (repeated on a NAIC insurance fraud page)",
      "source_url": "https://insurancefraud.org/fraud-stats/",
      "source_year": "Not stated",
      "sample_or_method": "",
      "geography": "",
      "status": "Claim check: not cited as a finding",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#caif-insurance-fraud-308-6-billion-a-year",
      "cite_as": "",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "constrafor-naic-insurance-fraud-costs-construction-billions",
      "title": "Constrafor: NAIC says insurance fraud, including falsified COIs, costs construction billions",
      "section": "Claim checks: where widely repeated figures came from",
      "kind": "claim_check",
      "statistic": "Billions",
      "wording": "Insurance fraud, including falsified COIs, costs the US construction industry billions, credited to the NAIC.",
      "limit": "The NAIC page that Constrafor cites says nothing about construction or certificates.",
      "source_publisher": "Constrafor",
      "source_title": "How to spot a fake COI in construction",
      "source_url": "https://www.constrafor.com/the-build-up/how-to-spot-a-fake-coi-in-construction",
      "source_year": "Not stated",
      "sample_or_method": "",
      "geography": "",
      "status": "Claim check: not cited as a finding",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#constrafor-naic-insurance-fraud-costs-construction-billions",
      "cite_as": "",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "constrafor-irmi-2018-10-percent-fake-or-inaccurate-cois",
      "title": "Constrafor: an estimated 10% of construction COIs are fake or inaccurate, credited to IRMI",
      "section": "Claim checks: where widely repeated figures came from",
      "kind": "claim_check",
      "statistic": "10%",
      "wording": "\"An estimated 10% of COIs in the construction industry are either fake or contain inaccurate information,\" credited to IRMI, 2018.",
      "limit": "The IRMI link on that page returns a 404 error.",
      "source_publisher": "Constrafor",
      "source_title": "How to spot a fake COI in construction",
      "source_url": "https://www.constrafor.com/the-build-up/how-to-spot-a-fake-coi-in-construction",
      "source_year": "Not stated",
      "sample_or_method": "",
      "geography": "",
      "status": "Claim check: not cited as a finding",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#constrafor-irmi-2018-10-percent-fake-or-inaccurate-cois",
      "cite_as": "",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "trustlayer-rims-2023-nearly-40-percent-insurance-gaps",
      "title": "TrustLayer: nearly 40% of organizations had insurance-related gaps, credited to a 2023 RIMS survey",
      "section": "Claim checks: where widely repeated figures came from",
      "kind": "claim_check",
      "statistic": "Nearly 40%",
      "wording": "\"Nearly 40% of organizations experienced insurance-related gaps ... a 2023 survey by RIMS.\"",
      "limit": "The sentence is on the TrustLayer page. We did not find the RIMS survey.",
      "source_publisher": "TrustLayer",
      "source_title": "Is my COI compliant?",
      "source_url": "https://www.trustlayer.io/resources/is-my-coi-compliant",
      "source_year": "Not stated",
      "sample_or_method": "",
      "geography": "",
      "status": "Claim check: not cited as a finding",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#trustlayer-rims-2023-nearly-40-percent-insurance-gaps",
      "cite_as": "",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "insurance-thought-leadership-coi-response-rate-30-to-40-percent",
      "title": "Insurance Thought Leadership: the actual response rate is \"more like 30% to 40%\"",
      "section": "Claim checks: where widely repeated figures came from",
      "kind": "claim_check",
      "statistic": "30% to 40%",
      "wording": "\"The actual response rate is more like 30% to 40%.\"",
      "limit": "The article is written in the first person by an Evident executive. It gives no sample or method.",
      "source_publisher": "Insurance Thought Leadership",
      "source_title": "3 Common Mistakes When Verifying COIs",
      "source_url": "https://www.insurancethoughtleadership.com/operational-efficiency/3-common-mistakes-when-verifying-cois",
      "source_year": "Not stated",
      "sample_or_method": "",
      "geography": "",
      "status": "Claim check: not cited as a finding",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#insurance-thought-leadership-coi-response-rate-30-to-40-percent",
      "cite_as": "",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    },
    {
      "id": "caif-2023-up-to-20-5-percent-construction-workers-misclassified",
      "title": "Coalition Against Insurance Fraud report: up to 20.5% of construction workers misclassified",
      "section": "Claim checks: where widely repeated figures came from",
      "kind": "claim_check",
      "statistic": "Up to 20.5%",
      "wording": "\"Up to 20.5 percent\" of construction workers who should be employees are misclassified or paid off the books.",
      "limit": "The report cites the figure with an in-text \"(5)\" that the report's reference list does not resolve. We could not trace it to an original source.",
      "source_publisher": "Coalition Against Insurance Fraud",
      "source_title": "Workers' Compensation Fraud in America (2023 report)",
      "source_url": "https://insurancefraud.org/wp-content/uploads/2023-Workers-Comp-report.pdf",
      "source_year": "2023",
      "sample_or_method": "",
      "geography": "",
      "status": "Claim check: not cited as a finding",
      "checked_on": "2026-11-03",
      "canonical_url": "https://contractsconnected.com/data/construction-coi-statistics#caif-2023-up-to-20-5-percent-construction-workers-misclassified",
      "cite_as": "",
      "license": "https://creativecommons.org/licenses/by/4.0/",
      "changelog": [
        {
          "date": "2026-11-03",
          "type": "Added",
          "note": "Checked against the original source."
        }
      ]
    }
  ]
}