CRIS® - Commercial Auto, Surety, CIPs, and Miscellaneous Lines
This course reviews the various types of insurance often needed by contractors that are not covered in the other core courses. This includes auto liability and physical damage, professional liability, pollution liability, employment practices liability, and directors and officers liability insurance. It also provides a basic review of claims-made and occurrence coverage triggers, wrap-up or controlled insurance programs (CIPs), and surety bonds.

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CRIS® - Commercial Liability Insurance for Contractors
This course provides a general overview of standard commercial general liability insurance and umbrella liability insurance, with specific attention to provisions that most affect coverage or create problems for some or all contractors. It covers elements required to trigger coverage, application of standard policy exclusions, and various standard endorsements, all within a construction context. Suggestions for modifying coverage to address potential coverage gaps and other problematic provisions are provided where appropriate.

CRIS® - Contractual Risk Transfer in Construction
This course reviews the ways in which risk is allocated in construction contracts. In addition to a technical review of the types of techniques available, this course examines strategies for maximizing the effectiveness of risk transfers in construction contracts. Topics include indemnification provisions, waivers of subrogation, limitations of liability, insurance requirements, and some of the key areas of risk allocation in standard construction contracts. Tips for writing and negotiating fair and effective insurance requirements are provided where appropriate, as well as for verifying compliance with these requirements.

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CRIS® - Property Insurance for Contractors
This course focuses on builders risk and contractors equipment insurance, including suggestions for maximizing the effectiveness of the coverages. It also includes a review of important concepts with respect to insuring the contractor's office or other permanent property. Topics include covered and excluded property, covered and excluded perils, covered parties, and alternative methods of reporting covered values. Various policy provisions that impact the scope of coverage – such as subrogation, occupancy, and cancellation – are also examined. Suggestions for modifying coverage to address potential coverage gaps and other problematic provisions are provided where appropriate.

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CRIS® - Workers Compensation for Contractors
This course provides a general overview of standard workers compensation and employers liability insurance, with specific attention to provisions that most affect coverage or create problems for some or all contractors. In addition to the standard policy provisions, key statutes that impact contractors workers compensation exposure and costs, such as independent contractor liability, employee leasing, overtime pay, and various federal acts, are also addressed. Suggestions for modifying coverage to address potential coverage gaps and other problematic provisions are provided where appropriate.

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Umbrella Liability Insurance For Contractors
CRIS® Umbrella Liability Insurance for Contractors is a STAND ALONE COURSE and is NOT part of the CRIS core program. However, it can be used as an update for those designees who want to achieve their CRIS Re-Accreditation.

This course provides a detailed understanding of the workings of commercial umbrella and excess coverage, with an emphasis on how the coverage terms and provisions apply to construction contractors. The litigious nature of American society arguably makes a commercial umbrella policy the most important kind of insurance policy that a business can purchase. But umbrella policies are unique in that they provide coverage after a primary policy has been exhausted by the payment of claims. This course examines various coverage concepts that are unique to umbrella policies, including the following:

• the various ways an umbrella policy might organize coverage;
• the scope of coverage provided by an umbrella policy insuring agreement; common limitations and restrictions imposed on contractors;
• the importance of examining the terms of the contractors limitations endorsement;
• how an umbrella policy’s attachment point may be adjusted over time;
• the meaning of follow form coverage and the areas of coverage in a contractor’s umbrella policy;
• how umbrella policy limits and self-insured retentions apply; the difference between horizontal and vertical exhaustion of policy limits;
• the conflicts between construction contract provisions and umbrella policy conditions; and
• the impact of a failure to maintaining underlying coverages.