BCP OPUS

“The work.” When one reads through the OPUS form, one can see the ease of understanding, simplicity and flow of coverage that the policy offers through its many distinctive parts. It is a monumental task to have an insurance policy not only read but flow as an artistic piece of work. OPUS speaks to our intent to handle claims fairly with the embedded proactive approach, unlike any other form in the marketplace. Like the Marriage of Figaro or Beethoven’s 5th Symphony, OPUS will always be remembered as a lasting work of art.

OPUS Coverage Highlights: Proactive settlement approach for both the Protective Professional and Protective Pollution Coverages via the Settlement Provisions of the policy (Section III.D).

BCP OPUS Policy

BCP is pleased to announce the deployment of its OPUS policy for our owner clientele. The OPUS is a project specific professional and pollution liability policy that provides separate Insuring Agreements that share a Policy Aggregate Limit for each of the following exposures:

  • Protective Professional Indemnity
  • Protective Contractor’s Pollution
  • Third Party Claim Defense and Indemnity

*Please note that coverage can also be made available for multiple projects or on a renewing basis


BCP OPUS Coverage Highlights

  • Proactive settlement approach for both the Protective Professional and Protective Pollution Coverages via the Settlement Provisions of the policy (Section III.D).
  • Purposeful and clear differentiation between professional and pollution oriented defined terms
  • Absence of the word “negligence” in the Insuring Agreements
  • Broadened scope of covered Professional Services:
    • Coverage for design services in connection with maintenance and operations during the Extended Reporting Period
    • Corrective design services performed during Extended Reporting Period coverage
    • Project accounting covered as professional services
  • No SIR obligation under the Protective Professional Indemnity and Protective Contractor’s Pollution Insuring Agreements
  • Additional Supplemental Coverages:
    • ADA and FHA Defense Expense
    • Corporate Reputation Rehabilitation
    • Protective Claim Bankruptcy Litigation Expense Reimbursement
    • Building Information Modeling – Extra Expense
  • Mutual selection of counsel in defense of a Third Party Claim.
  • Broadened Scope of covered Contractor Activities:
    • Addition of environmental activities
    • Incorporation of exposures arising out of Non-Owned Locations
  • Policy Period Definition includes 12 months automatic extension for project delays
  • Goods/Products exclusion carve-backs to address customized product design and pollution conditions resulting from installed goods/products
  • Fine-tuned Means and Methods exclusionary language
  • Insured’s Third Party Claims SIR obligation shall be eroded by contributions from the Recoverable Insurance
  • Extended reporting period goes to statute of limitation or 10 years (max is 10 years)
  • No Change of Control Condition
  • No Choice of Law Condition
  • No Jurisdiction and Venue Condition
BCP's OPUS is a project specific professional and pollution liability policy that provides separate Insuring Agreements that share a Policy Aggregate Limit for each of the following exposures:

“A policy you won’t need a magnifying glass to read”

BCP’s HARMONY policy can also be used with OPUS:

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