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Why Turn to Duncan?

Contractors turn to Duncan to assist them in designing and building risk management and insurance programs for many of their construction specialties. Contractors rely on the Duncan Construction Division’s highly trained surety underwriters, account managers, risk managers, ISNet/PICS system managers, safety professionals and claims specialists to meet their unique needs. And in doing so, we help General Contractors, Artisan or Trade Contractors, Residential Home Builders, Paper General Contractors, Construction Managers, Environmental Contractors and Architects & Engineers remain competitive.

Knowing that a strong surety line is the lifeblood of a contractor’s ability to obtain jobs, many contractors work with Duncan to create and maintain a relationship with a surety company.

Others have established a Backup Bonding Program® with Duncan in order to be ready at a moment’s notice should their current surety provider not be able to perform.

Whether they have a specific larger job their surety provider won’t extend for, or the total volume of work that they have available to them is beyond what they have in a surety line, or their surety is not able to perform in general, they know having a strong surety program and backup program is critical.

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install back-flow prevention when transferring risk on a construction project
Install Back-Flow Prevention When Transferring Risk on a Construction Project

David R. Leng, CPCU, CIC, CBWA, CRM, CWCA | Executive Vice President, Insurance Division — March 2017

Just because it’s signed, doesn’t mean it’s insurable. Risk transfer is making sure the risk ends up on somebody else’s lap should an injury, fire or some other mishap occur during construction.

Risk should flow downhill, like a vertical relay race where the baton of risk is passed off from the general contractor to the subcontractor to all the other workers down the construction food chain. If the general contractor hires a subcontractor, and that sub-contractor’s worker drops a pipe, causing an injury, the GC wants to make sure that injury liability doesn’t swim upstream like a salmon. Subsequently, the subcontractor is going to try to pass the insurance baton off to the injured worker’s insurance company further downstream.

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