WRAP-UPS: WHAT KEEPS US UP AT NIGHT
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1 Workshop W1 Wednesday, November 12 8:30 9:45 a.m. and 10:05 11:20 a.m. WRAP-UPS: WHAT KEEPS US UP AT NIGHT Presented by Workshop W1 Richard Resnick President Project Risk Consultants, Inc. Wrap-ups offer many benefits to their sponsors, but they also present some nagging issues that can keep participants (and their advisers!) awake at night. Was the cost estimate in the feasibility analysis too optimistic? How do I explain the collateral nightmare? Did all eligible participants actually get enrolled in the wrap-up? Will this wrap-up ever end? This session will address these and other common worries encountered on a wrap-up in a fun but educational way. Putting those issues into perspective will not only create a better understanding of the potential problems but reduce the anxiety that often accompanies a wrap-up insurance program. To print on both sides of the page, set your printer for duplex printing. Copyright 2014 International Risk Management Institute, Inc. 1
2 OUR STARS ARE NEVER OUT OF REACH. Our network of offices and dedicated insurance professionals are always in reach and ready to provide you with the best in class underwriting, risk control, and claims services. We are local. We are national. We are ORCPG. Pasadena New York Chicago Dallas Atlanta Kansas City (626) Old Republic Construction Insurance Agency, Inc. CLS# Old Republic Construction Insurance Agency of New York, Inc., LS#668042
3 Richard Resnick President Project Risk Consultants, Inc. Mr. Resnick is founder and CEO of Project Risk Consultants, Inc., a consulting firm dedicated to construction risk management. He has been associated with the insurance industry for more than 40 years, earning a reputation for particular expertise in the design and development of projectspecific insurance programs. He has extensive experience in project-related insurance wrapups, builders risk, professional liability, environmental and owners interest, as well as business risk and contract analysis. A frequent lecturer, Mr. Resnick has taught classes for The Nassau County Insurance Agents Association and the Pohs Institute Licensing Program. In addition, he has served on the faculty of Hofstra University and St. John's University. Mr. Resnick has also moderated IRMI roundtable discussions and has served as a sole presenter for wrap-up sessions at several IRMI Construction Risk Conferences. He has participated in panel discussions for the Washington, D.C., chapter of CFMA and has been a guest speaker on construction insurance at local CPCU chapters, the AGC, the Employee Benefits Institute, the American Bar Association, Lorman Educational Seminars, the BTEA, and the NYS Society of CPAs. He participated as a technical adviser for IRMI's development of the fourth edition of The Wrap-Up Guide, which was published in Mr. Resnick also contributes articles to IRMI.com. A graduate of CW Post College, Mr. Resnick earned an M.B.A. in finance from Pace University. He also holds the Associate in Risk Management (ARM) designation. Workshop W1 3
4 Notes 4
5 Wrap-Ups: What Keeps Us Up At Night Presented By: Richard Resnick, MBA, ARM President Project Risk Consultants Workshop W1 Quick Review of Some Basics 5
6 What Is a Wrap-Up? A single insurance program purchased by the Owner or General Contractor covering the job-site risks of the project owner, general contractor, or construction manager, and enrolled project subcontractors. Coverage's afforded are General Liability, Workers Compensation, and Umbrella/Excess Liability. The program usually excludes vendors, suppliers, and/or material fabricators. The Wrap-Up Concept Owner Owner Prime $ $ General Contractor $ Prime $ Prime Prime General Contractor Prime Prime $ $ $ $ $ $ Sub Sub Sub Sub Sub Sub Sub Sub Sub Sub Sub Sub 6
7 Why Are Wrap-Ups a Favorite Means of Procurement for Construction Projects? Sponsor able to control the procurement process Sponsor controls limits and insurance terms Savings go to Sponsor Encourages MBE/WBE/DBE participation Single focus on safety and claims management Workshop W1 How Do Wrap-Ups Save Money? The Dollar of Insurance Risk financing basics Dynamics of the bid credit Sponsors risk versus Underwriters risk The bidding process 7
8 The Dollar of Insurance Guaranteed Cost Loss Sensitive 0% 35% 35% 65% 35% Insurer Expenses Loss & Adjusting Exp. Savings 30% Savings Development Cost (millions) $6 $5 $4 $3 Potential Savings $2 $1 $0 Expected Losses Contractor Program Wrap-Up $0 $1 $2 $3 $4 $5 Losses + LAE (millions) 8
9 What Does Keep Us Up At Night? Workshop W1 The Feasibility Nightmare Tone down the sales approach Think of it as an educational tool Be project specific Use realistic benchmarking 9
10 The Enrollment Nightmare Oh no, did I forget to enroll that contractor? To enroll or not to enroll; that is the question What? You need to get on-site today? What to do with all those inspectors and consultants The Bid Credit or Add Alt Nightmare Are they really that much different? Does my client like seeing the green? Does my client like to play Monopoly? Change Orders; I am not sleeping well Keeping the peace 10
11 How Am I Going to Explain this Collateral Nightmare Letter of Credit or Cash Collateral? Underwriters loss pick or welcome to Oz 100% Collateral or we are not in Kansas anymore Toto You said it has to remain open for how long? Workshop W1 Will This Wrap-Up Ever End Nightmare The warranty and repair issue Understanding the wrap-up exclusion What happens when the POLICY ends Trigger for extended completed operations Close out versus termination Collateral and close out 11
12 The Administrative Nightmare Administrative platforms Why can t I do this on an excel spreadsheet? How will I get all these reports to the client on time The chasing payrolls dilemma Close out versus termination System challenges The Contract Certainty Nightmare Role of the insurance manual Insurance Addendum Bidding documents Clarity 12
13 Good Night Moon, Good Night Chair, Good Night Wrap-Ups Everywhere Workshop W1 13
14 Notes 14
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