The Hardcover Risk Library

Straight answers to the questions design and technical firms actually ask, and claim scenarios that show how things go wrong.

Claim scenariosHypothetical examples, not actual claims

3D Laser Scanning & LiDARThe spools that did not fitA scanning firm captures an existing mechanical room so a contractor can prefabricate new piping. A registration error of about two inches in one…Read the scenario →
BIM Modeling & CoordinationThe duct and the beamA BIM firm hired by a mechanical contractor runs clash detection on a hospital floor. A beam soffit change arrives after the last model update and a…Read the scenario →
Geotechnical EngineersThe settlement claim six years laterA geotechnical firm prepared the report for a small residential subdivision. Six years later, several homes show cracking, and the homeowners…Read the scenario →
Environmental ConsultantsThe missed wetlandA consultant prepares the environmental permit application for a warehouse site. A small wetland area is not delineated, the agency flags it, and the…Read the scenario →
Mining & Heavy Machinery EngineersThe boom repairAn engineering firm designs a repair to a cracked dragline boom so the machine can return to service quickly. Eight months later, a crack reappears…Read the scenario →
Professional LiabilityThe retaining wall detailAn engineering firm details a site retaining wall. Two years after completion the wall tilts, and the owner claims $180,000 to rebuild it plus legal…Read the scenario →
Cyber LiabilityThe invoice that never arrivedA 20-person architecture firm’s project manager receives an email that looks like it came from a client, asking for updated wire instructions. The…Read the scenario →
General Liability & Property (BOP)The bag on the job siteAn engineer sets a laptop bag down during a site walk. A visitor trips over it and breaks a wrist, then sues the owner, the contractor and the…Read the scenario →
Workers’ CompensationThe freelance architectA small firm pays a freelance architect $50,000 over the year as a 1099 contractor. At audit, the carrier asks for the freelancer’s workers’…Read the scenario →

Answers

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Also: Insurance glossary · Claims-made timeline · How to read a COI

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