Coverage for Commissioning Services
Structured around how building systems are reviewed, verified, and documented and how risk presents across that work.
Commissioning agents evaluate building systems to confirm performance aligns with project intent. Work includes testing, observation, documentation, and reporting across project phases.
Exposure is shaped by how systems are reviewed and how findings are communicated. Reports are often relied upon by owners, contractors, and design teams.
The role sits between multiple parties, where outcomes depend on both review scope and interpretation of findings. We review how your services are structured before making any recommendation.
Where Exposure Tends to Arise
How Risk Typically Presents in Commissioning Work
System Verification
Testing and observation inform whether systems are accepted or require adjustment.
Reporting & Documentation
Commissioning reports are used by stakeholders to make decisions about performance and completion.
Scope of Review
Not all systems or conditions may be included. Differences between scope and expectations can affect outcomes.
Performance Expectations
Systems may not perform as anticipated, even after commissioning review.
What We Place
Coverage Typically Considered for Commissioning Agents
Coverage is considered based on how your firm operates, the types of projects you take on, and how your contracts are structured. All coverage is subject to the terms, conditions, and limitations of the policy as issued.
General & Property Liability (BOP)
Helps respond when someone claims your business caused bodily injury or property damage.
Commercial Auto
For vehicles owned, leased, or used by the business.
Workers' Compensation
For covered employee injuries tied to work. This can include office injuries, travel-related work injuries, or incidents during job site visits.
Umbrella Liability
Sits above multiple underlying policies and responds when primary limits are exhausted.
Excess Liability
Extends the limits of a single underlying policy without changing its terms.
Builders Risk
Responds to physical loss or damage during construction. Standard property policies typically exclude this phase.
Cyber Liability
AEC firms carry more data exposure than most expect. Responds to costs from a covered cyber incident.
Worth Reviewing
How Scope and Responsibility Are Defined
Agreements define which systems are reviewed, testing levels, and documentation requirements. These terms influence how services are evaluated.
Coordination with owners, contractors, and design teams is a factor. Clarity around reliance on reports and responsibility for outcomes is important before execution.
The Process
How We Approach It
From initial conversation to structured recommendation, every step is deliberate.
Step 1
Understand Your Scope
We review what systems you evaluate, how testing is performed, and how findings are documented.
Step 2
Review Existing Coverage
We assess current policies, including limits and exclusions, against how your services are delivered.
Step 3
Align Coverage and Contracts
We consider how your coverage supports the way your findings are communicated and relied upon.
Common Gaps
Where Review and Expectation Differ
Exposure often develops when expectations exceed defined scope. Systems assumed fully verified when only partial testing is performed, or findings treated as performance guarantees.
These situations often come down to how scope and conclusions were communicated.
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