Building "green" and seeking certification are becoming necessary considerations for any construction project or construction improvement. The benefits and risks associated with building green will be explored in this article, and insurance solutions are offered. Certified green structures should provide healthier environments to work and live. Productivity should increase and sickness and absenteeism should decrease. The popularity, importance, and number of green building projects will continue to increase. However, green building also involves increased litigation risks associated with design, construction, ownership, and operation. This article will explore those risks, and insurability of such claim exposures. Many of those risks are insurable; some are currently uninsurable.

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Climate change, characterized by higher surface and water temperatures, will likely lead to more frequent and severe storms, floods, rising sea levels, wildfires, and loss of a variety of species. The monetary loss attributable to these events could be enormous, resulting in a variety of first-party insurance claims and thirdparty lawsuits. The availability of insurance coverage to pay these claims will depend on the nature of weather-related losses and the particular policies in force. Insurers have also begun to develop products that pay to rebuild to "greener" standards after fortuitous losses, encourage lower carbon emissions, and provide incentives for the implementation of sustainable business and personal practices.

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