Who is carrying the risk?
Indemnity terms, insurance requirements, additional-insured status, and subcontractor compliance can allocate risk differently. The first review maps those obligations against the actual work and current policies.
All services
01 / 03 · Construction risk
Insurance that follows the work.
Doug helps contractors, specialty trades, data center project teams, solar installers, and EPC teams look at insurance alongside project contracts, claims, safety, and risk financing.
Questions worth asking
Where to look first.
Does a wrap-up fit the project?
An OCIP or CCIP may centralize certain project coverages, but sponsorship, enrollment, exclusions, administration, and completed-operations terms all matter. The structure should follow the project, not a default template.
What happens when a loss occurs?
Claims handling, documentation, safety practices, and retained risk affect the total cost of an incident. A program review should include those operating realities alongside premium and limits.
How Doug approaches it
From exposure to decision.
The first review is about the business and the tradeoffs. Any recommendation depends on the full facts, the available market, and the applicable policy terms.
- 01
Map the work
Review operations, project roles, contracts, subcontractors, and current coverage.
- 02
Find the gaps
Compare contractual obligations with policy terms, exclusions, retentions, and claims history.
- 03
Choose a structure
Evaluate traditional, project-specific, and alternative options with their administrative and financial tradeoffs.
Practice scope
Topics the review may cover.
Coverage and service availability depend on the business, project, and insurer terms.
- General liability, commercial auto, workers’ compensation, umbrella and excess liability
- Builders risk, cyber, directors and officers, and employment practices liability
- OCIP and CCIP wrap-up program consultation
- Subcontractor default insurance (SDI)
- Data center construction and operational handoffs
- Surety bond coordination
- Loss-control and safety-program development
- Contract review for insurance requirements
- Claims advocacy and ongoing program analysis
A practical first conversation
What to bring.
You do not need a complete submission to start. These details help Doug find the important questions faster.
- A short description of the business and current projects
- Current insurance program and recent loss history
- Representative contracts or insurance requirements
- Any upcoming bid, renewal, financing, or claim deadline