BREAKTHROUGH DEVELOPERS, INC.
      DESIGNERS, CONSULTING ENGINEERS, BUILDERS, CONSTRUCTION  MANAGERS
                  

THE TEAM THAT MAKE IT ALL  WORKS

RISK MANAGEMENT

Breakthrough Developers, Risk Management Department offers a centralized and innovative approach to risk management. Comprised of staff in environmental health and safety, insurance, claims, legal, finance, and information technology, this group drives risk management strategies for the company. In addition, the department acts as a resource, partner and advisor to all the business units while ensuring the development of successful and innovative programs. Such programs provide the controls to mitigate losses while also fully integrating risk management into the daily operations of Breakthrough Developers, Inc. The Company continually strives to improve communication and cultivate collaboration between risk management disciplines and the business units with the expectation of improving our ability to more successfully manage our risks.

The Environmental Health and Safety Department is an integral component of risk management at Breakthrough Developers, Inc and is responsible for oversight and implementation of all aspects of the company’s health and safety programs and policies. Breakthrough Developers history has demonstrated that the more aligned our business units, subcontractors and partners are with our safety ideal of loss avoidance rather than regulatory compliance, the safer and more successful the project outcome. Breakthrough Developers is committed to a “safety first” philosophy. The department, in coordination with a dedicated staff of people to safety, has developed a comprehensive safety program consisting of four guiding as Building L.I.F.E. (Living Injury Free Everyday) principles; 1) Injuries are Preventable, 2) Perform a Job Only if it is Safe, 3) Working Safely is a Condition of Employment and 4) Practice and Expect Safe Behavior Everywhere, Everyday. The Building L.I.F.E. approach strives to eliminate worksite incidents through pre-planning construction activities, “prevention through design” with safety engagement commencing at project pursuit. These standards along with our policies, mandatory inspections and training programs have created the most comprehensive and effective safety organization in the construction industry today.

The Insurance Department is supported by a staff of seasoned insurance professionals dedicated to the negotiation, placement and management of Breakthrough Developers, coverage lines and policies. This group is responsible for the development of insurance products to meet Breakthrough Developers and our clients evolving needs and can package coverage on a specialized project by project basis including the following policies:

 1. Contractor Controlled Insurance Program

 2. General Liability

 3. Builder's Risk

 4. Subguard

 5. Professional Liability

 6. Pollution Liability 

Breakthrough Developers, CCIP wrap-up insurance program covers on-site General Liability and Worker’s Compensation for both Breakthrough Developers and our subcontractors. The program affords all covered projects the benefits of a single insurer, single defense along with higher limits, broader coverage and guaranteed costs. The insurance department develops and provides guidance on the CCIP program from project start-up through implementation and close-out.

The Claims and Legal Department manages risk through claim and litigation management and early case resolution. The group works closely with our insurance carriers and counsel to assist with claim investigation and litigation management.