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Read about 6 examples of claims from builders and other construction trades. These are cautionary tales to be help you be better prepared!

According to construction insurance specialist insurer MECON, 45% of building failures are a result of design issues. Without professional indemnity (PI) cover builders run the serious risk of being uninsured when they are dragged into litigation over defective design.

This presentation includes examples of WorkSafe prosecutions of construction companies. It explains the insurance available to cover health & safety liability, as well as employee disputes.

With the recent Sky City Convention Centre fire a hot topic (ha ha) now is a good time to highlight the expectations insurers generally have around hot work claims.

There are far too many examples of trade firms being penalised for not following the right processes when dealing with an employment dispute. Regardless of the merit of the dispute, if you don’t follow the right procedures, you could be in trouble. Even with the best processes in place you may at some point have to deal with a disgruntled employee and have to face the Employment Relations Authority. At the very least you will need to engage professional legal services to help you through a dispute.

Builders can be liable for mistakes made by their subbies or consultants, whose terms of trade often limit their liability. It is wishful thinking in the extreme to assume someone else’s insurance will protect you, even if you’re only liable because of their mistake.

There are a few key triggers that must be met before your public liability insurance claim can even be considered. One of them is that a third party must have suffered a loss, typically due to physical damage you’ve done, that they are holding you responsible for.

One of the triggers to a public liability insurance claim is that the event that causes damage must be within the policy period. This can be the source of misunderstanding because there are often a few different events associated with a claim, so you need to understand which is the important one.

With thousands of construction clients Builtin has seen more than our fair share of claims from plumbers, gasfitters & drainlayers. Here are a few examples to help explain why liability insurance is so important for them.