t他三岁的硬建筑市场提高了价格和修剪的覆盖条款和限制。它还改变了一个相当常规的做法，这是一项更为复杂的谈判。18luck官网

John Roe, head of construction casualty insurance in North America for Berkshire Hathaway Specialty, said the issues involved can't be attributed to “any one event" but are the result of "10 years of pricing and claims going up.”

His comments were offered at the annual construction conference of the International Risk Management Institute, Nov. 9, in San Diego, where extensions were a subject of special interest. Risk managers from Bechtel National and McCarthy Holdings sat on a panel on the subject with Roe and a high-level brokerage executive and together they examined the matter from their differing perspectives.

不可预见的项目完成延迟有许多原因：允许，所有者变更订单，范围蠕变或整体项目复杂性的延迟。新的困难是保险公司所说的是，索赔成本飞涨，溢价更高以及几个承运人从五年前就很容易撰写保单的某些承保范围类型中屈服的事实。18luck.cub

Most sources of insurance coverage are willing to have a discussion around extensions of six to 12 months, the panelists agreed. The problems often crop up over the builders risk coverage, where insurers may seek bigger retentions cutting into the project's profit margins. Other times it is the competed operations coverage—for policies that have what insurers describe as longer tails beyond the actual time of construction—that cause the most problems.

Bechtel National Inc.全球业务部门风险经理Jaap Vrolijk说，没有人从事建筑运营“喜欢花费数百万美元的保费”。

AON Construction Services Group首席经纪官Thomas Grandmaison表示，在Aon的书面政策报道中，大约“我们的投资组合中有90％需要延长某种形式”，“也许10％到15％造成了问题”。

当需要扩展是保险“塔”的一部分时，这些问题可能会出现，这是主要和过度覆盖范围的层，可能需要将它们对齐并扩展在一起。保险公司是否会否认覆盖范围的未对准或冲突尚不清楚。会议主持人兼律师萨克斯·多恩伯格（Saxe Doernberger＆Vita）的合伙人耶利米·韦尔奇（Jeremiah Welch）说：“在法庭案件中，该主题尚未得到测试。”

Insured Until Statute of Repose

一定保险范围的一个重要目标是使该政策扩展到该州的安置法规，该法规在经过一定的时间后使一方免于责任。根据IRMI网站的说法，大多数州都有针对建筑的法规，这些法规禁止在指定年数之后就缺陷提出索赔。

ted Wickenhauser, McCarthy Holdings' senior vice president of risk management, says a long-term relationship with an insurance carrier is important. He said his company is looking for insurers "who are in business, stayed in business and not been in and out," meaning, entering and existing various types of construction insurance markets.

至于长期关系的价值,“我would say at end of the day, relationships do play in your favor more than not."

建造companies in general have had to work harder on risk management and controlling insurance costs in recent years.

Vrolijk说，由于艰难的市场，他在法律部门的同事和建筑运营“去年对保险市场有了更多了解”和“这是一件好事”。