Construction Insurance Training

Lesson 1 • Insurance Principles and Terminology

Introduces core insurance concepts—indemnity, insurable interest, subrogation, and premium—applied to construction contexts. Provides the vocabulary needed throughout the course.

Lesson 2 • How Construction Policies Are Structured

Explains declarations, insuring agreements, exclusions, conditions, and endorsements as they appear in construction policies. Connects policy anatomy to practical claims outcomes.

Lesson 3 • The Construction Risk Landscape

Examines the unique hazards inherent to construction projects and why standard commercial insurance is insufficient. Establishes the risk context for all subsequent coverage topics.

Lesson 1 • Builders Risk Policy Basics

Defines builders risk as first-party property coverage for projects under construction and identifies who purchases it. Anchors the coverage type within the broader insurance program.

Lesson 2 • Claims Process for Builders Risk

Walks through notice requirements, proof of loss, and adjuster roles specific to builders risk claims. Connects policy conditions to real-world claim resolution steps.

Lesson 3 • Builders Risk Exclusions and Endorsements

Identifies standard exclusions—design error, mechanical breakdown, war—and the endorsements that restore or expand coverage. Enables students to tailor policies to project needs.

Lesson 4 • Covered Causes of Loss

Distinguishes open-perils from named-perils forms and identifies which construction hazards each covers. Prepares students to evaluate coverage gaps for specific project types.

Lesson 1 • CGL Coverage Structure for Contractors

Explains the three coverage parts—bodily injury/property damage, personal injury, and medical payments—within a contractor's general liability policy. Sets the framework for all liability analysis.

Lesson 2 • Completed Operations Exposure

Focuses on liability arising after project completion, including latent defect claims and long-tail exposures. Demonstrates why completed operations limits require separate evaluation.

Lesson 3 • Additional Insured Requirements

Covers how additional insured endorsements extend CGL protection to owners and upstream contractors. Explains ongoing vs. completed operations coverage for additional insureds.

Lesson 4 • Key Exclusions Affecting Contractors

Analyzes exclusions most impactful to contractors: your work, your product, professional services, and pollution. Teaches students to identify coverage gaps before project start.

Lesson 1 • Classification and Premium Calculation

Teaches how payroll-based classification codes drive workers compensation premiums and how audits verify accuracy. Directly impacts cost management for construction employers.

Lesson 2 • Employer Liability Coverage

Covers Part Two of the workers compensation policy, which protects employers from employee lawsuits outside the statutory system. Identifies common employer liability scenarios in construction.

Lesson 3 • Statutory Workers Compensation Framework

Explains the no-fault compensation system, covered benefits, and employer obligations under workers compensation statutes. Establishes the legal baseline for all construction workforce coverage.

Lesson 4 • Subcontractor and Independent Contractor Issues

Analyzes misclassification risk, certificate verification, and statutory employer liability for uninsured subcontractors. Prevents costly coverage gaps in multi-tier construction projects.

Lesson 1 • Pollution Liability Coverage

Explains contractor pollution liability triggers, covered pollutants, and the distinction from CGL pollution exclusions. Prepares students to identify projects requiring standalone pollution coverage.

Lesson 2 • Environmental Impairment Liability

Addresses long-term site contamination coverage for owners and developers beyond contractor operations. Distinguishes environmental impairment liability from contractor pollution liability.

Lesson 3 • Contractor Professional Liability

Covers professional liability products tailored to contractors performing design-assist or design-build work. Bridges the gap between CGL professional exclusions and architect/engineer policies.

Lesson 4 • Procurement and Coordination Strategies

Guides students in selecting, layering, and coordinating professional and pollution policies within a project insurance program. Addresses gaps created by multiple policy triggers.

Lesson 1 • Bid Bonds and Prequalification

Covers bid bond purpose, forfeiture conditions, and how surety prequalification signals contractor financial strength. Connects bid security to project award risk management.

Lesson 2 • Surety Claims and Dispute Resolution

Walks through the surety investigation process, good faith obligations, and dispute resolution mechanisms for bond claims. Connects surety response timelines to project continuity.

Lesson 3 • Surety Fundamentals and Bond Mechanics

Explains the principal-surety-obligee relationship and how bonds differ from insurance in risk transfer. Establishes the conceptual foundation for all bond types covered in this chapter.

Lesson 4 • Performance Bonds

Analyzes performance bond obligations, default declaration procedures, and surety response options. Prepares students to manage contractor default scenarios on bonded projects.

Lesson 1 • Enrollment and Administration

Covers contractor enrollment procedures, payroll reporting, and certificate issuance within a wrap-up program. Addresses administrative burdens and compliance monitoring for sponsors.

Lesson 2 • Wrap-Up Program Fundamentals

Defines OCIPs and CCIPs, explains their purpose on large projects, and identifies the coverages typically consolidated. Establishes the rationale for centralized insurance purchasing.

Lesson 3 • Evaluating Wrap-Up Suitability

Provides a decision framework for determining when a wrap-up program delivers value over traditional insurance. Considers project size, duration, contractor mix, and risk tolerance.

Lesson 4 • Claims Handling in Wrap-Up Programs

Addresses centralized claims reporting, coordination between wrap-up and non-wrap-up policies, and dispute resolution. Highlights how wrap-up claims differ from traditional multi-party claims.

Lesson 1 • Designing a Layered Insurance Program

Explains primary, excess, and umbrella layers and how they stack to achieve adequate total limits. Teaches students to match layer structure to project value and liability exposure.

Lesson 2 • Construction Risk Assessment Process

Applies systematic risk identification, quantification, and prioritization to construction projects of varying complexity. Produces the risk profile that drives insurance program design decisions.

Lesson 3 • Insurance Market and Procurement Strategy

Covers the construction insurance marketplace, underwriting submission preparation, and negotiation tactics for favorable terms. Prepares students to manage the broker-insurer relationship effectively.

Lesson 4 • Program Performance Measurement

Introduces loss ratio, total cost of risk, and claims frequency metrics to evaluate insurance program effectiveness. Enables data-driven decisions for program renewal and restructuring.