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Risk Assessment
XL can provide a risk assessment of a firm’s practices prior to underwriting coverage with XL as well as after coverage is in place. Conducted by telephone or in-person, these assessments provide valuable feedback on the firm’s project delivery protocols, risk management practices and contracting philosophies. It provides a third-party risk management professional’s view of the firm’s operations and can result in recommendations, supplemental resources and/or additional risk management services to further benefit the insured’s risk management operations.
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Branch Office Risk Assessments
Branch offices extend a firm’s geographic reach, but may also increase liabilities. Inconsistencies in the implementation and adherence to corporate risk management protocols can result in problematic consequences. XL risk management professionals can conduct a risk assessment of branch offices with a focus on a variety of technical issues, including overall adherence to corporate procedures and best management practices. Recommendations may be provided to assist the firm in addressing the identified concerns.
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Project–Specific Risk Assessments
Whether policies are written for a firm’s overall exposures or specifically for a particular project, XL’s risk management professionals can conduct a risk assessment of a particular project. The assessment will review the overall scope of the project, its progress to date, implementation of project-specific programs and the management of changes since contract inception. The assessment may result in applicable recommendations to assist the firm in addressing identified pollution and/or professional exposures.
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Project File Reviews
A sample of project files from one or more offices can be reviewed to identify inconsistencies with standard company project file documentation procedures and best industry practices. A summary of the review’s findings will include recommendations to aid the insured with implementing procedures to promote consistent, organized and comprehensive project files that will assist providing legal defensibility in the event of a claim.
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Training Seminars
XL Risk Control offers a variety of training programs to meet and supplement the educational need of our insureds. Industry benchmark information, claims data, and analysis of emerging issues are incorporated into our interactive sessions led by our experienced risk management staff. Contact your risk control specialist today to find out more about the four training programs we offer:
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Risk Bulletins
XL prepares Risk Bulletins identifying industry–impacting areas of potential liabilities. On-going exposures as well as new and emerging trends and topics effecting our clients’ pollution and professional liabilities are discussed. Bulletins are found electronically on our website at www.xlenvironmental.com.
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Water Intrusion/Mold Management Resources
XL offers our clients various resources to assist them in managing their exposures associated with mold liability. In addition to various Risk Bulletins (www.xlenvironmental.com), XL offers our clients’ access to a Water Intrusion Management Program that can be used to formalize a firm’s procedures based on their internal operations and project management philosophies.
To compliment our proactive approach to managing water ingress in order to proactively manage mold exposures, XL’s risk management professionals also offer training workshops covering the risk exposures associated with mold in construction. The workshop focuses on minimizing the potential for mold growth and provides a discussion on mold claims.
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