WEBCAST Risk & Liability Issues Affecting Site Improvement Contractors
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1 WEBCAST Risk & Liability Issues Affecting Site Improvement Contractors
2 Today s Agenda Intro to NIP Group Industry Overview Specific Challenges faced by contractors Benefits of Specialized Coverage Overview of the SitePro Program Things to Look For, when preparing a submission Summary Q&A Page 2
3 About NIP
4 About NIP Group A top 100 business insurance and risk management intermediary Provide a wide range of brokerage, underwriting, and risk management services Entrepreneurial, innovative, and responsive Deep knowledge of key markets 20+ years of providing agents with exceptional coverage, competitive commissions, and fast, efficient service Page 4
5 About NIP Programs Develop and manage customized business insurance for industries with specialized insurance and risk management needs Custom-tailored coverage for select markets Unique underwriting, loss control, and claims service models, valued by both clients and insurers Underwritten by major insurers such as Travelers, AIG, Argo, AmTrust Market expertise Stability through all market cycles Page 5
6 NIP s Programs Employment Practices Liability Insurance GlassPro for Glass Dealers and Installers GrowPro for Greenhouses, Garden Centers and Nurseries HVACPro for AC, Refrigeration, Heating or HVAC Contractors IrrigationPro for Providers of Irrigation and Pesticides for Lawns, Crops and Golf Courses InteriorScapePro for Contractors Providing Indoor Landscaping and Plant Maintenance LandPro /TreePro for Landscapers and Tree Services Providers LawnCarePro for Lawn Care Service Providers LightScapePro for Lightscaping Contractors MaintenancePro for Cleaning and Maintenance Services MedEdge Affinity program for Physician Assistants and Optometrists PetPro for Pet Care Professionals PlumbingPro for Commercial Plumbing Contractors PowerPro for Electrical Contractors SignagePro for Sign, Display and Awning Companies SitePro for Excavation, Site Prep and Paving Contractors WorkPro Workers Comp Page 6
7 Industry Overview
8 Industry Overview 3 Major Construction Segments Building Construction Specialty Trade Contractors Heavy & Civil Engineering Page 8
9 Industry Overview Page 9 Heavy and Civil Engineering Build sewers, roads, highways, bridges, tunnels, and other infrastructure projects Land Improvement Contractors Non-building contractors Perform site prep work Clearing / grading of land Excavation Water, sewer, utility construction Street & road construction Paving, Line striping, etc.
10 Commercial GL Coverage Land Improvement Contractors Commercial General Liability Coverage Protects business against: Accidents that might happen on premises Exposures related to work product Standard GL Policy covers certain lawsuits where negligence resulted in bodily injury, property damage, personal/advertising injury Can arise from injuries both at time of - and even years after - completion of construction project Page 10
11 Examples of Liability Examples of claims Child wanders onto site and is injured while playing Insured accidentally cuts through gas line while attempting to repair a sewer line Bobcat operator causes damage to nearby vehicle Faulty gas line installed by sub-contractor results in fire damage Page 11
12 Holes in Coverage Possible exclusions Contractor s (or Sub s) Warranty Independent Contractor Exclusion Subsidence/Earth Movement/ Soil Movement Property Damage to Your Work Page 12
13 Holes in Coverage Possible exclusions Contractor s (or Sub s) Warranty Independent Contractor Exclusion Subsidence/Earth Movement/Soil Movement Property Damage to Your Work Page 13
14 Holes in Coverage Possible exclusions Contractor s (or Sub s) Warranty Independent Contractor Exclusion Subsidence/Earth Movement/Soil Movement Property Damage to Your Work Page 14
15 Holes in Coverage Over 50 percent of these areas are underlain by soils with abundant clays of high swelling potential. Less than 50 percent of these areas are underlain by soils with clays of high swelling potential. Over 50 percent of these areas are underlain by soils with abundant clays of slight to moderate swelling potential. Less than 50 percent of these areas are underlain by soils with abundant clays of slight to moderate swelling potential. These areas are underlain by soils with little to no clays with swelling potential. Data insufficient to indicate the clay content or the swelling potential of soils. Page 15
16 Holes in Coverage Possible exclusions Contractor s (or Sub s) Warranty Independent Contractor Exclusion Subsidence/Earth Movement/ Soil Movement Property Damage to Your Work Page 16
17 Holes in Coverage Possible exclusions Contractor s (or Sub s) Warranty Independent Contractor Exclusion Subsidence/Earth Movement/ Soil Movement Property Damage to Your Work Page 17
18 Other Considerations Subcontracted Work Uninsured Subs are Bad News During an audit, if your insured can t provide COIs for the Sub, their GL will pick-up the exposure, adding payroll to the audit, and the premium will be assessed, to cover the uninsured Sub Page 18
19 Other Considerations Admitted vs. Non-Admitted Carriers Admitted Carriers are licensed and regulated by the State Non-Admitted Carriers are not, presenting a potential for insurer insolvency Page 19
20 Other Considerations Carrier Ratings Carriers are rated by both S&P and A.M. Best Ratings reflect the carrier s financial strength and ability to pay claims Page 20
21 NIP s SitePro An Overview
22 NIP s SitePro Overview Specialty insurance designed to service excavation & land-grading contractors. One of the most comprehensive insurance programs available for site preparation and land improvement contractors Many coverage enhancements tailored to their specific insurance needs. Competitive pricing for businesses of all sizes, from small contractors to large multi-state operations. Minimum GL premiums as low as $5,000 Page 22
23 NIP s SitePro Program Backed by strong financial carrier Rated "A" (Excellent) Financial Size X by A.M. Best ISO Based Program is Admitted in All States Currently write in 44 states: Exceptions: Alaska, Hawaii, Idaho, North Dakota, Montana,& Colorado Accounts rated off payroll Page 23
24 NIP s SitePro Program Program Highlights A.M. Best A Rated (Excellent) Carrier (Company Size X) GL Minimum Premium $5,000 Competitive Rates Superior Customer Service ISO Based Program Coverage Enhancements Blanket Additional Insured completed and ongoing Broadened Coverage for Contractors Commercial Auto Broadened Coverage Per Project Aggregate Blanket Wavier of Rights Employee Benefits Liability Limited Jobsite Pollution Ineligible Exposures Accounts subcontracting more than 40% of work Accounts performing work as a Paper Contractor Underground storage tank removal, tank construction, cleaning, or repair work (except septic tank work) Environmental remediation/abatement contractors Bridge Construction / Airport Paving Page 24 Silent on Subsidence
25 NIP s SitePro Program Risk Control - FARA Phone Surveys Physical Surveys Claims Services AmTrust North America 24/7/365 Service Dedicated Claims Adjusters with an average of 20 years exp. Premium Audit Overland Solutions Physical PIVOT Virtual Page 25
26 Submission Requirements Need complete submission, to review all risks: Completed ACORD application Completed SitePro Supplemental Application 3 Years plus 1 Current Year of Currently-Valued, Hard Copy loss runs for all lines of business being considered Current Job Listing and MVRs (ability to quote subject to) Common Declinations Ineligible exposures One man ops/owner only ops Page 26
27 Summary
28 Summary SitePro provides Outstanding coverage, tailored to specific needs of site improvement contractors Strength and reputation of AmTrust North America 1 Backed by 20+ years of experience in providing specialized programs tailored to the unique needs of select classes of business Stability through all market cycles NIP awarded Best Practice Designation by TargetMarkets Page 28 1 Rated A (Excellent) Financial Size IX, by A.M. Best
29 Questions?
30 Thank You! FOR MORE INFO: Goretti DeSousa X659 Esther Wolfe X227 Debbie Miserendino X388 (800) telephone
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