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RT ECP Quibinars

To help our clients better understand some of the finer points of insurance coverage, whether it be Environmental insurance products, Construction Related Professional Liability products or related risk management techniques, RT ECP has created what we have been referring to as "quibinars". These short answers to common questions are provided to offer the basics with the intent that if you need further details or a deeper answer, you would call one of your RT ECP Consultants.

In these "quibinars" our team of specialists address frequently asked questions surrounding Contractor's Professional Liability, Site Pollution Liability, Owner's Protective Professional Indemnity and other products offered by RT ECP. These short but educational videos provide easy access to obtain answers to your questions.

We will continue to build this library so we encourage you to send your questions and we'll respond with a written or video response in a timely manner. Send all questions to

These quibinars are provided for educational and informational purposes only. It is not intended to be relied upon as legal or professional advice. Every insured's circumstances will differ and all coverages are dependent on each individual insured's unique circumstances as well as applicable policy language. Whether an accident or other loss is covered is determined by the terms and conditions of the actual insurance policy or policies involved in the claim. References to typical terms or provisions of coverage are illustrative and may not apply to your situation. Please consult your legal or insurance advisor regarding your insurance needs.

November 20, 2020

Contractor’s Professional Liability vs. Architects & Engineers Professional Liability

What are the differences between Contractor’s Professional Liability and Architects & Engineers Professional Liability?

October 20, 2020

Limitations of Liability Provision Under CPPI or OPPI

What implications do Limitation of Liability Provisions have under the Protective Indemnity Coverage in a CPPI or OPPI policy?

October 20, 2020

Definition of Professional Services Under Contractor’s Professional Liability Policy

Why is the Definition of Professional Services so important under the Contractor’s Professional Liability (CPrL) policy?

October 20, 2020

Faulty Work Coverage Under CPrL

What is Faulty Work Coverage when provided under a Contractor’s Professional Liability policy?

October 20, 2020

Protective Indemnity Under OPPI or CPPI

Does the Protective Indemnity Coverage under an OPPI or CPPI pay before the Design Professional’s Insurance?

September 30, 2020

Contingent Business Interruption vs Business Interruption

What is Contingent Business Interruption and how is it different from Business Interruption?

September 30, 2020

Time Element Pollution Coverage

What is “Time Element” Pollution coverage?

September 30, 2020

Disclosed Document Endorsement and PLL Coverage

A disclosed document is environmental due diligence that has been disclosed to the carrier and added/listed onto the policy via endorsement. What impact does a disclosed document endorsement have on PLL coverage?

September 29, 2020

Adding Business Interruption to a PLL Policy

Why should a policyholder add business interruption to a PLL policy?

September 29, 2020

Continuity/Delimination Dates vs Retro Dates

Are Continuity Dates/Delimitation Dates under a PLL policy the same as a retroactive date?

September 29, 2020

Capital Improvements Exclusion

What is a capital improvement exclusion, what does it exclude and what other terms are used to describe this exposure?

September 29, 2020

NODS Coverage With Regards to PLL and CPL

How do I get the most coverage out of Non-Owned Disposal Site (NODS) coverage with regards to PLL and CPL?


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