CRIS.gifThe Construction Risk Insurance Specialist

The CRIS continuing education (CE) program was developed by IRMI to make it much easier for construction financial officers and managers, controllers, in-house risk managers or insurance buyers, and their agents, brokers, and underwriters to gain specialized expertise in construction insurance and risk management. Construction financial and risk professionals who obtain the certification will have the knowledge to make wiser insurance and risk management decisions for their employers and work more effectively with their agents/brokers. Obtaining the CRIS certification will increase the competence, confidence, and credibility of insurance professionals who sell or underwrite insurance for contractors. A CFO, CFM, controller, or construction risk manager who buys insurance from a CRIS designee will know he or she is dealing with someone who is knowledgeable about the specialized needs of contractors. 

Who Should Take the CRIS Program?

Anyone who designs, sells, buys, or underwrites construction insurance programs should consider taking the CRIS program. You should consider the CRIS continuing education program if you are a(n):

  • Insurance agent or broker ... see what agents & brokers have to say about CRIS.
  • Customer service representative (CSR)
  • Insurance underwriter or adjuster
  • Risk manager or insurance manager of a construction company
  • Contractor CFO, controller, or other executive who buys insurance
  • Construction safety professional who wishes to expand your horizons
  • Risk and insurance consultant
  • Construction lawyer
  • Risk manager of another organization with substantial construction activities

The Construction Risk and Insurance Specialist (CRIS®) core curriculum is comprised of five basic-to-intermediate-level courses. All of the courses are directly focused on the unique risk management and insurance needs of construction projects and contractors. They are designed for construction industry financial executives, risk managers, insurance buyers, adjusters, and the insurance agents, brokers, and underwriters who serve the construction industry.

Completing the core curriculum qualifies you to use the CRIS certification for 24 months and additional courses or seminars may be completed during that period and every 12 months thereafter to maintain the certification. Generally one online course or one approved seminar or conference will satisfy this renewal requirement.

CRIS Core Courses

Property Insurance for Contractors
This course examines the coverage provided by three types of property insurance policies: commercial property policies, builders risk policies, and contractors equipment policies. This course also briefly overviews two other types of property insurance policies that contractors may need: commercial crime policy and equipment breakdown policy.

Commercial Liability Insurance for Contractors
This course will examine each of the three coverage parts of the commercial general liability (CGL) policy: bodily injury and property damage (Coverage A), personal and advertising injury (Coverage B), and medical payments (Coverage C) including the insuring agreements and exclusions. Although contractors may avail themselves of the coverage provided under all of the coverage parts, the most significant coverage section for contractors, and for most business entities, is Coverage A - bodily injury and property damage. Consequently, that section of the policy will receive more emphasis in this course that other coverage parts. After a careful review of the basic policy's coverage parts, key policy provisions and conditions will be examined, such as who is an insured, limits of insurance, and notice requirements. Finally, various endorsements that can be attached to the policy to broaden or restrict the scope of coverage or otherwise alter the basic policy terms and conditions  will be reviewed.

Commercial Auto, Surety, CIPS & Misc Lines
This course begins with a description and brief analysis of the typical structure and format of a contractor's insurance program. It provides an overview of various additional coverage needs of many contractors, including auto liability, professional liability, pollution liability, employment practices liability, directors and officers liability, and fiduciary liability insurance. It also discusses the two coverage triggers occurrence and claims-made with particular emphasis on the latter which is often used with professional liability policies. This includes many scenarios displayed in exhibits that illustrate how the trigger works. In addition, this course provides and overview of two special areas of importance for contractors consolidated insurance programs (CIPS) and surety bonds.

Workers Compensation for Contractors
This course is designed to provide detailed information on workers compensation and employers liability insurance. It begins with an introduction to workers compensation, reviews the workers compensation policy itself, provides an overview of the various ways workers compensation insurance is purchased and alternatives to insurance, explains WC rating, and reviews the various steps of the WC experience rating process.

Contractual Risk Transfer in Construction
This course provides a general overview of contractual risk transfer in construction contracts and subcontracts, with specific attention to those provisions that present risk and insurance implications for contractors. It reviews the structure of construction contracting relationships and the key provisions in which responsibilities and liabilities are allocated to the contracting parties, and suggests methods to equitably allocate these liabilities. It also examines processes for ensuring the effectiveness of contractual risk transfers, and identifies problems that may arise if contracts are not properly reviewed and their risks managed.


Once you earn the CRIS certification you must complete required continuing education to maintain it. You must obtain 7 hours of approved construction risk and insurance continuing education credit during the 24 months following initial receipt of the certification and every 12 months thereafter. You may obtain this CE credit by completing online CRIS courses through IRMI or by attending seminars or conferences that have been approved for CRIS reaccreditation (and notifying us that you have completed them). All 5 core classes are approved for reaccreditation hours.

Reaccreditation Courses Offered at IIAMD:

Additional Insured Issues

This course introduces important risk management and insurance concepts for all contracting parties to a construction project. It provides an overview of the ways in which insured status under another party’s insurance program can be used as a risk transfer technique and examines in detail the terms and conditions on which insured status is provided in all the major lines of construction insurance. Particular emphasis is placed on additional insured status under general liability insurance, since that is where the most important contractual risk transfers are located. The course describes and analyzes standard endorsement language used to make owners, contractors, subcontractors, lessors, and design professionals insureds under another entity’s commercial general liability (CGL) policy. It explores complex and emerging coverage issues such as “other insurance” concerns, recent revisions to the most widely used CGL additional insured endorsements, problematic coverage exposures such as completed operations and third-party-over suits, and relevant caselaw interpreting the language under which additional insured status is provided.

The course also addresses insured status under other construction-related lines of insurance—commercial auto, builders risk, and workers compensation, explaining the coverage features typical of each line and the risk-transfer significance of insured status under these policies.

Umbrella Liability Insurance for Contractors

This course examines various coverage concepts that are unique to umbrella policies, including the following: the various ways an umbrella policy might organize coverage; the scope of coverage provided by an umbrella policy insuring agreement; common limitations and restrictions imposed on contractors; the importance of examining the terms of the contractor’s limitations endorsement; how an umbrella policy’s attachment point may be adjusted over time; the meaning of follow form coverage and the areas of coverage in a contractor’s umbrella policy; how umbrella policy limits and self-insured retentions (SIRs) apply; the difference between horizontal and vertical exhaustion of policy limits; the conflicts between construction contract provisions and umbrella policy conditions; and the impact of a failure to maintain underlying coverages.

Program Tuition

Members: $80

Nonmembers: $120



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**CRIS core courses can also be taken for reaccreditation**


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