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RT ECP: Risk Tips

December 13, 2018

Risk Tip – Rectification Coverage – What's in a Name?

By: Tim Farrell, RT New Day While doing research documenting and comparing the carriers’ Rectification coverage, I was struck by the different names this coverage is given by the carriers. And while ‘Rectification’ is the most prominent name, I found ‘Mitigation Costs,’ ‘Recall Expense,’ ‘First Party Protection,’ ‘Redress Coverage,’ ‘First Party Indemnity’ – and in one […]

October 31, 2018

Risk Tip – Identifying Limitations of Liability

By: Bill Webb When a general contractor or builder accepts a Limitation of Liability (LOL) be aware there may be insurance implications under the protective indemnity insuring agreement.  Contractor’s Protective Professional Indemnity (CPPI) forms often contain language that limits accepting a Limitation of Liability to available insurance proceeds.  While the Owner’s Protective Professional Indemnity (OPPI) […]

October 30, 2018

Risk Tip – Impacts of Mold Claims

By: Brittany Negron Mold claims are having a serious impact throughout the environmental insurance industry.  An increase in mold claims is pushing insurance companies to be more cautious when underwriting certain types of real estate risks where mold has become more prevalent.  Most notably, over the past 12-18 months, there have been several seven-and-eight figure […]

July 20, 2018

Risk Tip – Silica Regulation

By: David Slaugenhoup Since September 23, 2017, OSHA has been enforcing the revised exposure limits for respirable crystalline silica.  On an annual basis, it is estimated the new limits will impact 2 million construction workers across 600,000 workplaces and save more than 600 lives and $7.7 Billion in associated costs. The regulation has some bite […]

June 21, 2018

Risk Tip – Contractor's Pollution Liability: Mold vs. Bacteria

By: Jeff Slivka Even though mold continues to be of concern for many carriers, especially with regard to resulting property damage, many insurers offer mold coverage as part of their overall Contractor’s Pollution Liability (CPL) program. Depending on the type of business or work/project types conducted by the firm, it could be provided on an […]

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