--- title: Insurance Companies Rethinking Coverage Due to EPA RRP Rule description: EPA RRP Renovators should be sure they are working with an insurance agent who is up on the EPA RRP rule and discuss coverage needs and options image: https://www.shawnmccadden.com/hs-fs/file-15767185-jpg/images/insurance_folder-wr.jpg --- [![Shawn McCadden](https://www.shawnmccadden.com/hs-fs/hub/81069/file-1539748069.jpg)](https://www.shawnmccadden.com/) # Welcome to RRPedia Your Interactive Resource for EPA RRP Information ## ![RRPedia logo](https://www.shawnmccadden.com/hs-fs/file-1549005086-jpg/images/RRPedia_Logosmall_-wr-1.jpg)Looking for accurate information about the EPA RRP rule? RRPedia has been created by Shawn McCadden to help remodelers and others affected by the New EPA Renovation Repair and Painting Rule.  ## Please read *[RRPedia Use and Contribution Information](https://www.shawnmccadden.com/using-and-contributing-to-rrpedia-/) *before using or contributing to RRPedia.   --- # You Can Browse For RRP Topics By Using The Tags List To The Right ## [Insurance Companies Rethinking Coverage Due to EPA RRP Rule](https://www.shawnmccadden.com/rrpedia/bid/45856/Insurance-Companies-Rethinking-Coverage-Due-to-EPA-RRP-Rule) Posted by [Shawn McCadden](https://www.shawnmccadden.com/rrpedia/author/shawn-mccadden) on Thu, Sep 02, 2010 @ 01:26 PM - [Tweet](https://twitter.com/share) ## **Insurance Companies Will Be Rethinking Coverage and Premiums Due to EPA RRP Rule** #### ![RRP Insurance folder](https://www.shawnmccadden.com/hs-fs/file-15767185-jpg/images/insurance_folder-wr.jpg?width=112&height=102&name=insurance_folder-wr.jpg)Many liability insurance policies do not cover lead poisoning or contamination.  Renovators should be sure they are working with an agent who is up on the EPA RRP rule and should sit down with their agent to review their coverage needs and options.  [Tom Messier](http://www.mmins.com/bio_tmessier.html), with [Mason and Mason Insurance](http://www.mmins.com), tells me that insurance companies are starting to become aware of the RRP rule.  Insurance is all about risk. The greater the risk, the higher the cost of insurance will be.   #### ![RRP Logo](https://www.shawnmccadden.com/hs-fs/file-15753571-jpg/images/epa_certified_firm_logo.jpg)Increased risk of liability due to lead awareness as well as the government mandated certification requirements are likely to affect a renovator’s ability to get a policy as well as the premium charged by carriers who offer coverage.  Tom told me he predicts that existing policies will not be renewed unless a renovator can show they are certified firms and use certified renovators to oversee the work their company performs.  He also predicts insurance carriers will start requiring the insured’s proof of compliance with the rule as well as proof of compliance and insurance coverage for the trade partners the insured renovator works with.  Tom stressed that this would be for both liability as well as workers compensation insurance coverages. He said that even if they are self-employed, insurance carriers will likely require all trade partners have their own workers compensation policies as a way to prevent injured or poisoned trade partners from claiming against the general contractor’s policy.  #### Also Tom warns, just as many insurance companies now review the contracts contractors use with customers and trade partners before offering or renewing a policy, Tom predicts carriers will be asking to see completed copies of the required RRP documentation used by contractors.   I asked Tom what renovators should do to protect themselves and be sure they can maintain coverage going forward.  Tom’s response; “Document, document, document!!!”  #### ![Apertment for rent sign](https://www.shawnmccadden.com/hs-fs/file-15727498-jpg/images/apartment_for_rent-wr.jpg)One other area that will likely be of concern is lead coverage in policies for landlords who own pre-1978 properties.  Here too, compliance with RRP rules and documentation of work practices used for renovations and repairs will likely become required conditions of obtaining and keeping coverage.  The EPA RRP rule may also cause an increase in insurance coverage on properties built prior to 1978, for landlords and maybe even home owners. Topics: [Effects of the RRP Rule](https://www.shawnmccadden.com/rrpedia/topic/effects-of-the-rrp-rule), [Subcontractor Considerations](https://www.shawnmccadden.com/rrpedia/topic/subcontractor-considerations), [Shawn's Predictions](https://www.shawnmccadden.com/rrpedia/topic/shawn39s-predictions), [Insurance Considerations](https://www.shawnmccadden.com/rrpedia/topic/insurance-considerations), [Documentation Considerations](https://www.shawnmccadden.com/rrpedia/topic/documentation-considerations), [Info for Landlords](https://www.shawnmccadden.com/rrpedia/topic/info-for-landlords), [Firm Certification](https://www.shawnmccadden.com/rrpedia/topic/firm-certification) [![cs-ye-234x16](https://www.shawnmccadden.com/hs-fs/hub/81069/file-1553381212.gif)](http://www.copyscape.com/duplicate-content/) ### Subscribe to RRPedia by Email and get notified about new postings as soon as they happen! ### Are You Documenting Yor Crew's Compliance With The RRP Rule?  [![download free RRP checklist](https://no-cache.hubspot.com/cta/default/81069/dd6aace9-6cb0-4ad2-a55a-09846d7f5b5e.png)](https://cta-redirect.hubspot.com/cta/redirect/81069/dd6aace9-6cb0-4ad2-a55a-09846d7f5b5e) ### Still Using a Yellow Pad for Your Estimating? 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[Worker Training (15)](https://www.shawnmccadden.com/rrpedia/topic/worker-training) ### I just wanted to say thank you for your efforts to keep us informed.  *"Thank you again for the hundreth time for keeping a vigil on this business nightmare. Your site is one of the best resources we have to stay on level ground"*  **Christian Peter**   *"I am quite impressed with all the confusion out there at Shawn McCadden’s clear and concise voice that continues to help contractors and those involved in this industry truly understand the rule. His efforts should be applauded."*  **Christopher Wagner, LBPFiles**   *"RRPedia is an accurate and contractor friendly interpretation of the very complex and confusing EPA RRP rule"* * * *"Thanks for taking the time to write the blog.  It's about the only place one can go to get some serious info on this dreadful subject"*   *"I would like to begin by thanking Shawn for all of his postings and education that he has been sharing with the remodeling industry. He has personally been extremely helpful in guiding me through various interpretations of the RRP rule, his advice and knowledge are priceless."* **Michael A. Mahoney*** * ### Suggest or Contribute a RRPedia Topic ### Want a Simple Summary of the EPA RRP? #### Shawn McCadden has created an EPA RRP Summary for Remodelers. *"Hi Shawn, **Nice RRP write up on the website.   I've already forwarded a link to it to a number of local builder types."*   #### [Click here to go to the summary.](https://www.shawnmccadden.com/epa-rrp-summary-for-remodelers-by-shawn-mccadden/)  You can also download it if you want your own copy. ### Add this widget to your Web page, blog, or social networking site. A widget is a CDC.gov application that displays the featured content directly on your web page. Click the buttons to see the next tip to prevent lead poisoning.