RT ECP: Published Articles

October 30, 2023

Rectification Claims: Creating the Proper Expectations

Rectification coverage today has become a common insuring agreement or coverage part under a typical contractors professional liability policy (CPrL). Claims that trigger the rectification insuring agreement are on the rise with nearly every insurer offering the coverage in both frequency and severity. Known by some as rectification coverage and others as mitigation coverage, it […]

September 29, 2023

Contractor’s Professional Liability—The Products Liability Exclusion

Each year, contractors face an increasingly diverse array of exposures and a growing list of options for managing those exposures. A common solution is the transfer of risk via a portfolio of insurance products—but coordinating the purchase of multiple insurance products is often complicated by the inconsistency in coverage terms between different insurers. This is […]

September 1, 2023

Project-Specific Professional Liability for Design Build Projects

Choosing the right professional liability insurance for a specific commercial construction project can be tricky and complicated, if not damn near exhausting and frustrating. It doesn’t matter if the policy is designed to protect owners, design professionals (DPs), design builders (DBs), or general contractors (GCs), all the complexities surrounding today’s project delivery methods, contracts, and […]

March 17, 2023

Reporting CPrL Claims and Achieving Successful Outcomes

Many contractors professional liability (CPrL) insurance claims are denied simply on the basis that the error, incident, and/or circumstance was reported after the date required within the insured’s policy. As a result, CPrL insurance holders should be well-versed in all the facets of their policies, especially the ones that can negate claims and forfeit the […]

March 13, 2023

RT ECP Introduces Pollution Legal Liability Quoting Program

FOCUS: RT Specialty’s Environmental and Construction Professional Practice (RT ECP) has been helping agents and brokers navigate the complex commercial insurance marketplace for 17 years. This includes the development of strategic risk management solutions designed to protect businesses from the challenges confronting contractors, property owners and developers. RT ECP introduced this program to provide agents and brokers […]

November 7, 2022

A look at the Surfside condominium collapse & lessons learned in liability

The design-bid-build project delivery method has dominated the construction landscape for many years. Under this methodology, contractors commonly bid on fully completed designs drawn to code with cost estimates, specification guidelines, material recommendations and other pertinent details already included in the planning. The design documents are developed by the design team under a single contract […]

October 28, 2022

Wood-frame construction: Risks and liabilities

Wood framing is a $24 billion U.S. industry that covers the “new construction, alterations, maintenance, repairs and additions” of both residential and commercial structures like mixed-use facilities, according to research from IBISWorld. Although recently impacted by the pandemic, labor and material shortages, supply chain issues and project delays, a 2022 ThinkWood survey found that the latest low […]

October 28, 2022

Staying Safe – Owner’s protective professional indemnity has become a valuable tool to help insulate CRE professionals from various exposures during development.

Without the proper coverage, even seemingly inconsequential design and construction management errors and mishaps can turn into financial disasters. Billed as one of the world’s most luxurious buildings and home to celebrities like legendary quarterback Joe Montana, Millennium Tower in San Francisco opened in 2009, with more than 400 multimillion-dollar units, soaring panoramic views, and […]

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 […]

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The RT ECP team frequently publishes in-house articles, reposts relevant news reports and creates educational videos known as "quibinars". For more information or to subscribe, please click on the button below.


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