Construction insurance Course

Lesson 1 • Key Parties in Construction Insurance

Maps the relationships among owners, contractors, subcontractors, brokers, and insurers. Clarifies each party's coverage obligations and contractual duties.

Lesson 2 • The Construction Risk Landscape

Defines unique hazards in construction versus other industries. Sets the context for why standard commercial insurance is insufficient for construction projects.

Lesson 3 • Insurance Principles and Terminology

Introduces foundational insurance concepts applied throughout the course. Builds shared vocabulary for policy analysis and claims discussions.

Lesson 1 • Endorsements and Coverage Enhancements

Examines endorsements that restore or expand standard policy coverage. Connects endorsement selection to project-specific risk profiles.

Lesson 2 • Additional Insured Requirements and Management

Details how additional insured status is granted and managed across a project. Addresses common disputes and best practices for compliance.

Lesson 3 • Key Exclusions Affecting Contractors

Identifies exclusions that most frequently limit contractor coverage. Teaches students to spot gaps before a loss occurs.

Lesson 4 • CGL Policy Structure and Coverage Parts

Breaks down the three coverage parts of a standard general liability policy. Establishes the framework used to evaluate all subsequent liability discussions.

Lesson 1 • Installation Floaters and Equipment Coverage

Addresses coverage for equipment and materials not captured by builders risk. Fills gaps for contractors installing high-value systems.

Lesson 2 • Valuation and Reporting Methods

Covers how insured values are established and reported during a project. Accurate valuation prevents coinsurance penalties and coverage shortfalls.

Lesson 3 • Common Exclusions and Extensions

Identifies standard exclusions and available extensions in builders risk forms. Teaches students to match coverage to project-specific exposures.

Lesson 4 • Claims and Loss Settlement in Property

Explains the property claims process from notice to settlement. Prepares students to document losses and negotiate fair settlements.

Lesson 1 • Claims Management and Return to Work

Covers best practices for managing workers compensation claims from injury to closure. Effective management reduces costs and improves experience modification.

Lesson 2 • Statutory Workers Compensation Framework

Explains the no-fault statutory system governing workplace injury benefits. Connects statutory requirements to policy structure and employer obligations.

Lesson 3 • Subcontractor and Independent Contractor Issues

Addresses the coverage and liability risks when using subcontractors and independent contractors. Misclassification creates significant uninsured exposure.

Lesson 4 • Employer Liability Coverage

Covers Part Two of the workers compensation policy protecting employers from tort claims. Addresses common employer liability scenarios in construction.

Lesson 1 • Contractors Professional Liability

Focuses on professional liability products tailored for contractors performing design services. Addresses the gap between CGL and traditional professional policies.

Lesson 2 • Selecting and Structuring Specialty Policies

Guides students through evaluating and placing specialist liability coverage. Integrates professional and pollution solutions into a complete insurance programme.

Lesson 3 • Cyber and Technology Liability Exposure

Introduces emerging cyber risks tied to construction technology and data. Connects digital project management tools to liability and property exposures.

Lesson 4 • Pollution Liability in Construction

Examines pollution exposures unique to construction sites and remediation projects. Covers policy forms designed to address these excluded CGL exposures.

Lesson 1 • Contractual Liability and CGL Interaction

Analyses how the CGL contractual liability coverage grant interacts with indemnity obligations. Identifies when separate contractual liability coverage is needed.

Lesson 2 • Upstream and Downstream Contract Flow

Maps how risk transfer flows from owner through general contractor to subcontractors. Identifies breaks in the chain that expose parties to uninsured loss.

Lesson 3 • Dispute Resolution and Contract Claims

Covers mechanisms for resolving insurance and indemnity disputes arising from contracts. Prepares students to manage claims involving multiple parties and policies.

Lesson 4 • Insurance Requirements in Contracts

Teaches how to read, draft, and negotiate insurance specification sections. Poorly drafted requirements create uninsured gaps or unenforceable obligations.

Lesson 1 • Wrap-Up Programme Closeout and Audit

Guides students through the financial and administrative closeout of a wrap-up. Proper closeout protects all parties from post-project liability surprises.

Lesson 2 • Claims Handling in Wrap-Up Programmes

Addresses the unique claims management challenges in consolidated insurance programmes. Centralised claims handling requires clear protocols and communication.

Lesson 3 • Wrap-Up Programme Fundamentals

Defines OCIPs and CCIPs and explains their advantages over traditional insurance. Establishes the conditions under which wrap-ups deliver value.

Lesson 4 • Enrolment and Compliance Administration

Covers the enrolment process for contractors and subcontractors in a wrap-up. Compliance failures create coverage gaps and contractual disputes.

Lesson 1 • Risk Assessment and Coverage Gap Analysis

Applies systematic risk identification to construction projects of varying complexity. Gap analysis ensures no material exposure is left unaddressed.

Lesson 2 • Retention Strategies and Captives

Explores self-insurance, large deductibles, and captive structures for construction firms. Retention strategies reduce cost for firms with strong loss control.

Lesson 3 • Presenting Insurance Programmes to Stakeholders

Develops skills for communicating insurance programme decisions to executives and project teams. Clear communication ensures stakeholder alignment and informed decisions.

Lesson 4 • Programme Review, Benchmarking, and Renewal

Establishes a continuous improvement cycle for construction insurance programmes. Benchmarking against industry peers identifies optimisation opportunities.

Lesson 5 • Structuring Primary and Excess Towers

Teaches how to layer primary, umbrella, and excess policies for adequate limits. Proper tower structure prevents gaps between policy layers.