Riggers Liability Coverage Form—Archived Article
October 2008
Summary: Rigging contractors, commonly known as “riggers,” who lift, set in place, and move property of others are the subject of Insurance Service Offices (ISO) form IH 00 91 12 01, Riggers Liability Coverage form. Riggers specialize in lifting heavy property of others during construction, installation, or moving operations. They may be held legally liable if they negligently damage the property they lift. The form covers the rigger's interest in the property being lifted, moved, or hoisted.
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Various factors are considered in underwriting a Riggers Liability policy, including the business capability and financial condition of the contractor, conditions at the job site, the type of equipment used, and the type of operation being conducted. ISO states, “A rigger's liability generally starts when the straps, belts and pulleys are put around the property being moved and generally ceases when the property is set in place and the belts, straps and pulleys are removed. This is standard; if the rigger deviates from this standard, the underwriter should be informed of this.”
The principle causes of loss in Riggers Liability policies are the property colliding with another object, the covered property being dropped, and the covered property hitting an overpass while being moved. According to ISO, the majority of the losses result from human error.
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