Editorial standards

Editorial policy

COI Workbench publishes practical, source-led information intended to help users prepare for a conversation with a licensed insurance professional.

Research and drafting

Each substantive guide begins with a defined user task and a review of relevant primary sources. Drafts must distinguish a certificate, policy, endorsement, and contract requirement. Examples are labeled as examples and should not be presented as universal requirements.

Source and link standards

Regulators, statutes, standards bodies, and official public documents are preferred. Commercial sources may be cited for clearly attributed industry context. We avoid relying on unsourced statistics, anonymous claims, or a competitor’s summary when an authoritative source is available.

AI-assisted production

Automation may assist with research organization, drafting, formatting, internal linking, and quality checks. Material claims are checked against cited sources before publication. Automation is not treated as professional insurance or legal review, and the site will not invent an author, credential, reviewer, or first-hand experience.

Expert review

A page will identify a licensed or credentialed reviewer only when that person has actually reviewed the page and authorized the attribution. Until then, pages are presented as editorially researched educational material, not professionally approved guidance.

Updates and corrections

We review content when a cited regulator changes its guidance, a tool’s logic changes, or a reader identifies a possible error. Substantive corrections are handled under our Corrections Policy.

Commercial independence

Advertising, if introduced, does not determine tool results or editorial conclusions. Sponsored or affiliate relationships will be disclosed near the relevant content. We do not rank an insurer, broker, or software provider merely because it advertises on the site.