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MIIA is a Membership Service of the Massachusetts
Municipal
Association

Builders Risk

Introducing MIIA BuildPro, a builder’s risk protection program custom designed for municipal building renovations, additions and new construction projects. Providing MIIA members broad coverage, risk management training and local expertise for all phases of construction.

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BROAD COMPREHENSIVE COVERAGE

This specialized builder’s risk protection program is part of the established underwriting partnership with Hanover Insurance Group, an “A Rated” company by A.M. Best Company. With pre-negotiated underwriting terms and conditions based on long- term experience with municipal construction projects, we are offering MIIA members a comprehensive solution featuring innovative coverages, customizable options, local support and simplified implementation. No matter the size or complexity of the building project, this program offers a customized approach to address the unique exposures at every phase of the process.

RISK MANAGEMENT SOLUTIONS

Together with Hanover, the MIIA BuildPro program offers expansive risk management solution resources, education and on-site support from construction experts who understand the unique requirements of the municipal market. From the planning stage to completion, the MIIA risk management team has the expertise and tools to guide members through every aspect of the project with the general contractor, and project manager including: project scope, onsite inspections, OSHA regulations and much more.

LOCAL SUPPORT, RESOURCES AND EXPERTISE

A dedicated team of experts has been assembled to provide the support, best practices and training at every step. The expanded training programs and tools include online resources, risk solution checklists, surveillance systems, along with webinars and workshops.

SPECIALIZED CLAIMS MANAGEMENT TEAM

Working in partnership with the MIIA claims team, Hanover is recognized for its expertise and service excellence, 24-hour claims response and efficient turnaround on payments.

BuildPro COVERAGE INCLUDES THE FOLLOWING AREAS:

  • Property in transit & storage
  • Flood & earthquake coverages
  • Municipal personal property
  • Construction trailers & site contents
  • Ordinance & law coverages
  • Pollution cleanup
  • Contract penalty coverage

KEY CONSIDERATIONS AND ACTION STEPS FOR EACH PHASE OF MUNICIPAL BUILDING CONSTRUCTION.

Phase 1 – Planning
(Up to 2 years in duration)

Construction Considerations:

  • Frame -> Fire Resistive
  • Repair work?
  • Renovation?
  • Addition?
  • New Construction?
  • Structural Demolition

Will the facility be occupied during construction?

Structural engineering plan to prevent collapse if renovation?

Site Considerations:

  • Will new utilities be needed?
  • Will existing utilities need to be moved?
  • Environmental/Soil Testing
  • Abutter considerations

Blueprints:

  • Member obtained plans?
  • MSBA options?
  • LEED or other certifications

Feasibility study

Funding determination

Phase 2 – Contracting & Procurement
(6 to 12 months in duration)

Builders Risk Insurance:

  • Owner managed;
  • General Contractor procured

Protect Manager/Architect/Designer/Engineer selection

General Contractor Selection:

  • Water Protection Protocols
  • Security Plan Protocols
  • Fire Prevention Plan Protocols
  • OSHA Compliance
  • Hot Work Permits
  • Workforce Safety & Quality Training

Construction Contract:

  • Typically AIA standard format
  • Waiver of Subrogation language – requires member to carefully review language to protect against terms that run beyond the construction phase
  • Thoroughly reviewed & properly executed
  • Kept on file for 10 years

For additional information click:

Contract management

Phase 3 – Construction
(Duration based on scope)

Role of OPM:

  • Timely status reports to owner
  • Quality Control Inspections – elimination of potential defects
  • Compliance with established daily inspectional protocols
  • Compliance with project milestones for completion and successful coordination of trades

Loss Control Inspections:

  • OSHA compliance
  • Security Plan/Site Protection
  • Material Storage practices
  • Temporary Heating provisions to protect plumbing
  • Review of any structural losses during construction phase to ensure satisfactory remediation and prevent carryover to ultimate property insurer
  • Review of any structural losses during the construction phase
  • Public Protection

For additional information on specific Construction phase topics click on the links below:

Fall Prevention Checklist
OSHA Standards Applicable to Builders Risk
Construction Site Security Tips
Water Damage Prevention and Control
Freeze Prevention Checklist for Sprinkler Piping
Freezing of Water-based Fire Protection Systems
Construction Safety
Metal Theft
Hot Work Permit Program

Phase 4 – Transition
(3 to 6 months in duration)

Commissioning:

  • Avoid post-acceptance disputes with comprehensive commission testing to ensure compliance with building standards

Certificate of Substantial Completion & Certificate of Occupancy:

  • Requires close interaction between OPM, Owner/ Member, Builder’s Risk Insurer and ultimate Property Insurer (MIIA) to ensure continuity of coverage

Loss Control Inspection:

  • Review of outstanding punch lists
  • Identification of losses during construction and validation of satisfactory remediation
  • Required step allowing property to come off Builder’s Risk Insurer to Master Property Insurance Policy

Transition of property from Builder’s Risk Insurer to Master Property Insurance Policy (MIIA)

KEY CONSIDERATIONS FOR PHASE IV TRANSITION.

Discussion:

  • As the construction phase winds down and the project is close to completion, it is imperative that all parties to the project stay in close communication to ensure a smooth and timely transition of insurance coverage off of the Builders Risk Policy and onto the Master MIIA Property Policy
  • Owners, OPMs, and General Contractors all need to be aware that key project milestones and inspections may influence which policy responds to a potential loss
  • Close contact and frequent communication with MIIA Account Managers is necessary to prevent premature termination of the Builders Risk policy before it is ready to be added to the MIIA Master Property Policy

Key Integration Elements:

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