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Home » Blogs » Why Risk It?

Why Risk It?
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Why Risk It? blog

Jeff Cavignac is president and principal of Cavignac & associates, a risk management and commercial insurance brokerage firm specializing in the building industry.

Recent Comments

Construction Safety Management

Great points Jeff! Other commonly overlooked items on web pages are safety infractions. Employees shown in unsafe environments or without proper protective equipment posted on web pages...

I was critical of an installation because it did not meet my implied standards and felt I was protected against an inferior installation because the language of the contract required th...

A pretty narrow intepretation. EJCDC asks for "average" performance while deisgners sell "we're the best". If your going to sell it, deliver it!! Highest does not mean perfect, just ...

Thanks Jeff, this is good information to be shared with all involved in DB. Too often people dont even read their contract let alone look for traps like this.

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Gaps in Insurance Possible When Using Staffing Firms

Some advice on a construction risk management issue raised by craft scarcity
Jeffrey cavignac
Jeffrey Cavignac
March 22, 2016

A scarcity of craft workers raises issues important in construction risk management


Read More

Some Insurance Coverages To Consider Right Away

Do you have the coverage you need for data breaches, water damage or payments made to con artists?
Jeffrey cavignac
Jeffrey Cavignac
December 23, 2015
No Comments

Shortest Article on Indemnity Ever

September 11, 2015
No Comments

OSHA Turns Up The Heat: Is Your Illness Prevention Program Compliant?

July 13, 2015
One Comment
Having an effective Heat Illness Prevention Program has been a given for a number of years.  However, recently there have been some significant changes and requirements that became effective on May 1, 2015.  Is your program up to date with these changes?  Have you re-trained your employees with this new information?
Read More

I've Been Sued! Now What?

March 23, 2015
No Comments
I’ve Been Sued!  Now What? Dealing with our litigation system can be frustrating, expensive, time-consuming and emotionally draining, but for most contractors, litigation is an unfortunate fact of life.   The key to effectively dealing with litigation is to know what you should and should
Read More

The Insurance Marketplace: What Can You Expect in 2015?

December 12, 2014
No Comments
For many engineering companies, insurance is one of their largest costs. When you add up premiums for Professional Liability, Property & Casualty, Workers’ Compensation, Employee Benefits, Life Insurance and other lines of coverage, it can often total 5% of revenues or more.  The type of work you do, your
Read More

Learn to Recognize the Warranty Wording..And Avoid It!

October 13, 2014
No Comments
You can sign the worst contract in the world, and if nothing goes wrong on the project, it won’t matter.  You may never look at the document again.  If however there is a problem on a project, the contract will be scrutinized to determine each parties obligations and responsibilities.  
Read More

How Effective is Your Communication SOP?

June 3, 2014
No Comments
In its 2014 Professional Liability Survey, the ACEC discovered that poor communication is involved in nearly 50% of all claims.  XLDP, a major writer of professional liability insurance for design professionals, has been aware of this for years.  Their “Risk Driver” studies have identified numerous
Read More

Non-Owned Autos and What You Need to Know

April 2, 2014
No Comments
Sally is your receptionist, and she will occasionally run errands for your company in her own car. You pay her the IRS recommended auto reimbursement, but it never crosses your mind to check Sally’s driving record or to see if Sally has insurance, let alone adequate limits of coverage. Sally is driving to Office Depot
Read More

Are Your Liability Limits Adequate?

January 30, 2014
No Comments
The time of a claim is not the time to wonder if your liability limits are adequate.
Read More
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