TOP 5 UNDERWRITING CONSIDERATIONS FOR CRANES SIMPLE STEPS TO HELP ELIMINATE UNCERTAINTY
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1 TOP 5 UNDERWRITING CONSIDERATIONS FOR CRANES SIMPLE STEPS TO HELP ELIMINATE UNCERTAINTY
2 WHAT TYPE OF CRANE ARE YOU INSURING? Crawler Crane Long individual pieces of boom and jib Expensive attachments and accessories Expensive to transport Boom/jib make up a significant part of the crane value Maintain value
3 WHAT TYPE OF CRANE ARE YOU INSURING? All-Terrain Crane Highway exposure Off-highway exposure Boom makes up a significant part of the crane value Expensive and long lead time parts and components Shorter service life than crawler cranes
4 WHAT TYPE OF CRANE ARE YOU INSURING? Truck Crane Taxi crane with extensive onhighway exposure Requires operators to perform multiple jobs Jobs may not be highly engineered High utilization Lose value over time
5 WHAT TYPE OF CRANE ARE YOU INSURING? Boom Truck Taxi crane with extensive on-highway exposure Requires operators to perform multiple jobs Jobs may not be highly engineered High utilization Lose value over time
6 WHAT TYPE OF CRANE ARE YOU INSURING? Rough Terrain Crane Work on unimproved job sites Perform pick & carry duties (lift and move loads without using the outriggers) Most frequently bare rented Lose value over time
7 WHAT TYPE OF CRANE ARE YOU INSURING? Conventional Truck Crane Being replaced by the All- Terrain Cranes Diminishing market so values are going down Boom become even a greater proportionate value of the overall crane
8 WHAT TYPE OF CRANE ARE YOU INSURING? Tower Crane Are generally erected and operated in confined working areas Few accidents but when they happen can be more catastrophic Generally bare rented and have a long useful service life
9 CUSTOMER CONSIDERATIONS Loss History Safety Culture Do they employ only NCCCO certified operators? Do they require annual defensive driving training? Do they invest in and provide regular safety training? Are they members of any professional crane associations? Do they understand and train for compliance to the new OSHA standards for cranes & derricks? Do they understand and train for compliance to the new ANSI B30 standards? Facilities Audit Equipment Audit/Inspecton
10 POLICY CONSIDERATIONS Actual Cash Value / Agreed Value / Replacement Cost Value Loss of Use / Rental Reimbursement Can it be replaced? At what expense? Recovery Who is controlling the damaged asset? Adding value or creating a larger loss? Third Party Repair Provision Don t let the manufacturer/dealer be the only option
11 POLICY CONSIDERATIONS Leased & Rented Equipment Risk of owning vs. renting Is risk really shifting to the equipment owner? Contracts are very restrictive Continuing rental in the event of an accident Ability to bring in third party repair option Scheduling rented equipment Know what you are insuring Value what you are insuring
12 VALUATION Accurate Time & market sensitive Specific Easy to understand Cost effective to obtain Acceptable to all parties
13 POST ACCIDENT MITIGATION/SUBROGATION Control the Process and the Assets by Using Experts Recovery Control assets by moving to a neutral site Know and understand your options Experts can help with Cause and origin Appraisal Repair Subrogation
14 LOSS EXAMPLE Know what you are insuring? Insured Value - $230,000 RCV - $191,000 ACV - $25,000 (at best) Salvage Value - $5,000 (at best)
15 LOSS EXAMPLE Repair vs. Replace Boom damage Repair - $6,250 (5 days) Replace - $189,000 (delivery n/a) Superstructure Damage Repair - $32,150 (45 days) Replace -$136,000 (delivery n/a)
16 LOSS EXAMPLE Efforts to Mitigate Exposure Crane rented to customer who turned it over Crane owner and manufacturer worked to have the crane go to salvage Customers insurance company fought to have the crane repaired A compromise was ultimately reached but not without significant time and effort
17 LOSS EXAMPLE
18 QUESTIONS?
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