Admitted carriers Recent changes to the ACORD

Admitted carriers

Recent changes to the ACORD form

Primary and Non. Contributory Coverage

Other Provisions

Subcontractors

Deductibles and Self-Insured Retentions (aka SIR’s)

Deductibles and Self-Insured Retentions (aka SIR’s)

Occurrence versus Claims-Made policies

Select the Kinds of Insurance

Suggestions - continued

Matrix Pages

Case Studies

Issues With Contracting

Thruway Bridge Replacement

Types of Coverage: In addition to the standard General and Auto Liability, Workers’ Compensation, NYS Disability, the contract should also require Builders’ Risk, Owners’ & Contractors’ Protective Liability and possibly Environmental Liability coverage. Contract should also require Contractor’s Equipment coverage for environmental exposures. Railroad Protective Liability (RRPL) coverage will be required as this project will be performed on RR ROW.

Limits of Liability: General Liability – $5, 000/$5, 000 Umbrella (Excess) Liability – As needed to meet CGL limit requirements Auto Liability – $1, 000 Combined Single Limit Environmental Liability - $5, 000? OCP - $1, 000/$2, 000 Builders’ Risk - $11, 000 RRPL – Limits as required by the RR Workers’ Compensation – Limits as specified by law NYS Disability – Limits as specified by law

Need for IT Services

Issues With Contracting

RFP, IFB Requirements

Considerations

Tip Towers

Issues With Contracting

Need for Outside Counsel

Issues With Contracting

RFP, IFB Requirements

Considerations

Shaky Movers

Issues With Contracting

Insist Upon Proof of Insurance

Additional Insureds –

ACORD Certificate of Insurance

Supplemental Insurance Questionnaire

Does your contractor have necessary insurance?

The Glossary

The Exhibits