RT ECP: Published Articles

July 25, 2022

Risk Management Solutions for Site Development Environmental Exposures

The potential for environmental exposures is ever-present when it comes to developmental projects. In fact, a review of the RT Specialty’s Environmental and Construction Professional Practice (RT ECP) book of business from 2020 to 2021 found an uptick in soil and groundwater contamination exposures faced by the company’s real estate acquisition and development insureds in commercial […]

March 3, 2022

Infrastructure projects and the need for environmental insurance

The good news is infrastructure in the U.S. has improved over the past several years. The bad news is that it still isn’t very good. The 2021 Report Card for America’s Infrastructure recently released by the American Society of Civil Engineers (ASCE) found the nation’s infrastructure averaged a “C-,” which was the country’s highest grade in the past 20 years. This […]

January 18, 2022

Protecting Against Environmental Risk in Changing Climates

Already expecting a downturn, the commercial construction industry was further impacted when COVID-19 either delayed or shuttered projects nationwide and a seemingly endless barrage of storms caused more than $95 billion in damages across the United States alone. This is on top of the growing array of emerging contaminant liability claims that increasingly plague jobsites […]

January 2, 2022

2022 Contractor’s Professional Liability Market Trends and Challenges

The introduction of new construction materials coupled with a renewed emphasis on modular building, artificial intelligence, 3D printing, and wearable and drone technologies is not only expected to ease existing cost burdens but also speed construction processes while completing projects on time and within budgets. Another boost is expected to come from President Joe Biden’s […]

November 8, 2021

Help! My legal fees have maxed out my insurance

“Help! My legal fees exhausted the limits on my insurance policy. What can I do now?” This is often the lament of contractors embroiled in the litigation of costly claims. Unfortunately, once the terms and conditions are set and the ink is dry on everyone’s signatures, the answer is: “Not much.” Read more.

September 29, 2021

Understanding the professional liability exposures that plague projects

The wrongful performance of professional services can not only result in hefty financial losses, but also structural damages that can cause many problems, from delays to collapses and loss of life. The errors and/or omissions related to engineering and architectural designs, land surveys, construction management and technical consulting are just a few of the areas […]

July 19, 2021

How Agents Can Help Contractors Mitigate the Risks of Potential Exposures

We’re living in a quick-service economy that expects nothing less than immediacy served with a side of excellence—a challenge that has become increasingly more intense for contractors working within the construction marketplace. Across the U.S., a large problem for many contractors is that many are still unaware of the professional services and pollution risks associated with […]

June 22, 2021

Document Everything

Every construction project combines a vast array of symbiotic disciplines. When synchronized brilliantly, the artistic blend of architectural design, engineering and oversight can achieve spectacular results. But unlike a movie, sculpture or painting, everything must work precisely, efficiently and in unison to perform up to spec in the real world. The Millennium Falcon in Star […]

April 1, 2021

Businesses Adopt Climate Change Initiatives

Climate change has already begun to reshape the planet and the ways we live and conduct business. Unfortunately, many scientists project the negative effects will only get worse. The 1,300-member Intergovernmental Panel on Climate Change forecasts a temperature rise of 2.5 to 10 degrees Fahrenheit over the next century. According to the National Oceanic and […]

December 21, 2020

Address ‘Your Work’ Exposure Within CPrL Policies With Faulty Workmanship Coverage

New faulty workmanship coverage forms have emerged to potentially address the “your work” exposure found in most contractors professional liability (CPrL) policies. Once offered by only a single carrier, several insurers have recently entered the marketplace to cover the cost to repair or replace faulty work or the related material costs associated with the “self-performed […]

December 2, 2020

Changing CPrL Marketplace: Expectations for 2021

Although the market has stayed competitive with over 30 insurers offering some form of CPrL insurance, rates are nonetheless expected to rise (albeit modestly) by 2 to 5 percent for the first time in over 10 years. Increases likely will be most prevalent for contractors involved in higher professional risk delivery methods such as design/build […]

October 7, 2020

Field Decisions Gone Wrong: The Importance of Rectification Coverage

A temporary retaining wall was being constructed for on a new bridge in downtown Atlanta to retain excavated soil as a footing for the bridge pier. The plans specified the placement of retaining wall support beams one-third and two-thirds below the excavation. Everything was going well and ahead of schedule, so the young, inexperienced construction […]

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