rectification/mitigation insurance (R/M)

Under contractors professional liability insurance, rectification/mitigation (R/M) insurance pays for the expenses reasonably incurred during the mitigation or rectification of a negligent act, error, or omission arising from professional services (performed by or on behalf of the insured) that would otherwise lead to a professional liability claim. Rectification/mitigation coverage is a primary coverage.

Rectification coverage has become a common insuring agreement or coverage part under a typical contractors professional liability policy. Claims that utilize the rectification insuring agreement are on the rise, with nearly every insurer offering the coverage in both frequency and severity. Known by some as rectification coverage and others as mitigation coverage, it is intended to circumvent what could otherwise be a lengthy process of litigation to recover costs associated with design, engineering, and/or other professional service errors created by an insured or those hired by the insured.