Understanding Underwriting to Get a Good Deal. RLI Design Professionals DPLE 134 August 1, 2018
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1 Understanding Underwriting to Get a Good Deal RLI Design Professionals DPLE 134 August 1, 2018
2 RLI Design Professionals is a Registered Provider with The American Institute of Architects Continuing Education Systems. Credit earned on completion of this program will be reported to CES Records for AIA members. Certificates of Completion for non-aia members are available on request. This program is registered with the AIA/CES for continuing professional education. As such, it does not include content that may be deemed or construed to be an approval or endorsement by the AIA of any material of construction or any method or manner of handling, using, distributing, or dealing in any material or product. Questions related to specific materials, methods, and services will be addressed at the conclusion of this presentation.
3 Copyright Materials This presentation is protected by US and International Copyright laws. Reproduction, distribution, display and use of the presentation without written permission of the speakers is prohibited. RLI Design Professionals
4 Today s Panelists Laura Malloy Assistant Program Manager RLI Design Professionals Kimberly Kuang Underwriting Manager RLI Design Professionals
5 Course Description UNDERWRITING A process of assessing risk. This course will review some important considerations in the process of underwriting and provide insight into the actions that design professionals and their firms can take to reduce their risk from an underwriting perspective.
6 Learning Objectives Participants in this session will: 1. Gain insight into the underwriting process; 2. Review risk factors and other important considerations in the underwriting process; 3. Discover ways to complete the application process more efficiently; 4. Consider the value of a holistic insurance solution.
7 How do you evaluate an application? Hypothetical 2 similarly sized firms. Each employing 100 architects, each performing similar services. One is located in New York City, the other in Wisconsin. Which has a greater auto exposure?
8 Factors for Consideration Application(s) Resumes or Curriculum Vitae Description of Projects and Services Credentials and Designations Other Information Online Risk Manageme nt Website Loss Runs 3 or 5 Years Other Insurance Information
9 What are some risk factors? The kind of work you do matters
10 Specific Considerations Increased Exposure Responsibilities for construction Environmental remediation Product design, fabrication, or manufacturing Real estate development We re not telling you what to do
11 Responsibility for Construction Environmental Remediation
12 Product Design, Fabrication or Manufacturing Real Estate Development
13 Specific Considerations Increased Exposure Software development Coastal locations Foreign offices Diving/Bridge inspection we re just telling you how we see it
14 Software Development Coastal Locations
15 Foreign Offices Diving/Bridge Inspection
16 Specific Considerations Increased Exposure Aircraft Mining Roofing consulting History includes loss(es) and that engaging in one of these will likely increase your premium, if we can provide you with a quote at all
17 Aircraft and Mining
18 Roofing Consulting
19 Course Description History of Loss(es)
20 What are positive factors to highlight? Professional Liability Considerations
21 Professional Liability Considerations Things to Highlight Demonstrate relevant experience Integrate new hires Establish financial strength Perform Go/No Go analyses These are all favorable for underwriting
22 Course Description Demonstrate Relevant Experience
23 Course Description Integrate New Hires
24 Course Description Establish Financial Strength
25 Professional Liability Considerations Things to Highlight Develop written contracts Maintain clear communication protocols Follow quality assurance/control procedures Require systematic recordkeeping (and audit) These are all favorable for underwriting
26 Course Description Develop Written Contracts reviewed by counsel
27 Quality Assurance/Control Procedures
28 Course Description Require Systematic Recordkeeping and audit
29 Professional Liability Considerations Things to Highlight Leadership Provide ongoing training Provide mentorship Review lessons learned Plan strategically These are all favorable for underwriting
30 What are some additional considerations? Professional Liability Considerations
31 Professional Liability Considerations Things to Highlight Quick to follow hot markets and trends No discretion in selecting projects High staff turnover Poor financial aptitude These are Unfavorable for underwriting
32 Professional Liability Considerations Things to Highlight Handshake deals Poor documentation of major project decisions No formal quality program Proceeding without prior written approval These are Unfavorable for underwriting
33 What are positive factors to highlight? Property & Casualty Considerations
34 Property & Casualty Considerations Things to Highlight Written and tested business continuity plan Inventory control system Continuing education Return to work program Written policies and procedures for auto safety These are all favorable for underwriting
35 Course Description Business Continuity Plan
36 Inventory Controls and Continuing Ed.
37 Auto Safety Seat belt use policy Driver agreements Crash reporting and investigation Vehicle maintenance and inspection Reward/incentive program
38 What are some additional considerations? Property & Casualty Considerations
39 Property & Casualty Considerations Things to Highlight Lack of a screening process for company drivers Lack of a company cell phone policy Coastal location with history of windstorms Installation responsibilities on FF&E No centralized risk management/loss control These are Unfavorable for underwriting
40 Filing out your policy application Any advice?
41 Steps to Improve Outcomes Completing your application 1. Examine the entire application. 2. Review prior applications. 3. Organize your information. 4. Complete all required questions. 5. Answer clearly and succinctly Remember: Time is your friend!
42 Pro Tip: Use last year s policy as a guide
43 Providing Date Ranges Provide complete dates Month/Day/Year to Month/Day/Year to the best of your ability
44 When do you ask additional questions? Policy application process
45 Resolving Discrepancies Between your website and application
46 Current projects Awards won Firm experience LEED accreditation Etc Additional Information For a more complete picture
47 Addressing prior claims and disciplinary action(s)? Policy application process
48 Addressing Prior Claims and Discipline Lessons learned 1. Recognize mistakes; 2. Observe what works; 3. Document both; and 4. Share the lessons learned. Demonstrate why those issues are unlikely to reoccur
49 Course Description Understanding Your Risk Profile Help us, help you
50 Course Description RLI s Philosophy S P E C I A L T Y B R O K E R S H O L I S T I C A P P R O A C H A D D E D S E R V I C E S
51 Strong Collaboration Between Broker and Insurer Fewer Coverage Gaps or Overlaps Multi-Policy Discounts Free Tailored Continuing Education Programs Additional Discounts for Participating in CE
52 Thank you for your time! QUESTIONS? This concludes The American Institute of Architects Continuing Education Systems Program Jennifer Walton, Operations Representative Mika Dewitz-Cryan, Client Solutions Manager
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