Insurance &
Risk Management

Specialized Insurance for
Design Professionals

Insurance and
Risk Management

Specialized Insurance for
Design Professionals

The Risk Specialty Group | 888-421-RISK (7475) | info@riskspecialtygroup.com

Frequently Asked Questions

HOW DO I GET A QUOTE?

To get a free quote, contact us at 713-552-1900 to speak with an Insurance Advisor or email us at info@riskspecialtygroup.com.

You can also complete our insurance application and email it to us at info@riskspecialtygroup.com. We look forward to hearing from you.

WHO IS ISNetworld®?

ISNetworld is a 3rd party that manages the relationship between hiring clients (Owner/Clients) and contractors. There are other 3rd party contractor management companies similar to ISNetworld, such as PICS® and Veriforce® to name a few. Owner/Clients outsource the management of certificates, contracts and safety compliance to these 3rd party service providers.

While these services benefit the Owner/Client, they can make it very frustrating for the contractors and sub-consultants to get preapproved for work and maintain their compliant status. The Risk Specialty Group can help you manage this complex process so that you can save time and stay compliant. We understand that you cannot start a job or get paid unless you are compliant. If you would like to learn more about how we can help you with 3rd party contractor management companies, feel free to contact us today.

HOW DO I REQUEST CERTIFICATES?

Email or call us with your certificate request and we will respond back to you within the hour. We understand that there are times you cannot start a project or get paid unless you show proof of insurance. That is why we respond same-day, often within the hour, on certificate requests.

You can also forward a copy of the contract requiring proof of insurance so we can review the requested coverages against the coverages you currently carry. Many times, the insurance requirements ask for additional language verifying “additional insured” status, waivers of subrogation, cancellation notices, primary/non-contributory and other specifications. They can even require copies of these endorsements from the actual policies themselves be shown along with the certificate of insurance. Depending on the policies you carry, this can be an issue and it is for this reason that we do not have an online portal for you to generate your own certificates.

(Provide sample PDF certificate)

HOW DO I REPORT A CLAIM?

The best way to report a General Liability, Property, Auto or Workers’ Compensation claim is to contact the carrier directly. This will ensure quick set-up of the claim file and that all pertinent information is communicated to the claims department. We also ask that you contact us, as well, so that we can help you during the claims process. Here is a short list of Carriers and phone #’s to their Commercial Claims Departments:

C.N.A. – 877-262-2727

Hartford – 800-327-3636

Travelers – 800-238-6225

RLI Insurance Co. – 877-863-5095

If you have a Professional Liability, Cyber, D&O, EPLI, Crime or any other type claim, please contact us first so that we can discuss the matter with you and point you in the right direction. There are too many carriers that we represent to create a short list on this reference page and there are nuances to reporting a claim in these type situations. If you have been served with a lawsuit or demand letter, forward it to us immediately. Do not wait to report a potential circumstance or an actual lawsuit.

Many of the carriers we represent provide free Pre-Claims Assistance in matters that are not quite full claims, but have the potential to develop into a claim. We would need to report this in a matter that notifies the carrier of the circumstance, but is not reporting as a full claim.

Please contact us today if you are aware of a claim situation or circumstance that could result in a claim.

After you have reported the claim to us, it is usually good industry practice to:

  • Not discuss the matter with anyone other than staff, agent and insurer, unless instructed by your carrier. Information or documents you provide to others may build the case of these parties against you.
  • Not admit liability to anyone. Your liability in a claim is between you and your carrier.
  • Not attend a deposition without the guidance of legal counsel. If you have a question regarding legal counsel prior to or after alerting your carrier, please contact us.