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If you want to avoid having to pay the hire company’s damage waiver charges every time then you can arrange your own annual policy to cover hired equipment. This could add up to a reasonable saving depending on the amount you spend on hireage each year and the value...

If you’re a builder with an annual contract works policy (instead of taking out individual policies for each build) it’s important you understand which type of annual policy you have. Any misunderstanding of how your particular policy works could leave you exposed....

Most liability policies cover the legal costs related to a claim under that particular policy, ie. for defending the claim against you.  For example, if you are sued for causing damage to someone’s house, and this damage is covered by public liability insurance, then...

Well, it should do. Regardless of who arranges it generally sub-contractors can and usually are included under the policy. That means it doesn’t matter if it’s the builder, the owner or a subbie who damages the works, the contract works policy will cover it. Who pays...

This is an exclusion in most construction and liability policies these days. It stemmed from the leaky homes crisis and effectively excludes any claim where water has penetrated a building through its external envelope.  This sucks for trades who are working on this...

In the year to August 2020 the construction industry was second for injuries that resulted in more than a week off work. It was 5,070 events. That’s over 100 per week! WorkSafe Prosecutions In Construction - 2020 and 2021 In 2020 there were 9 prosecutions of...

With a large customer base operating in the construction trades we deal with a lot of liability claims. There are some issues that, while not common, could trip you up if you are not aware of them. The Right Occupation Liability and professional indemnity policies...

There are almost as many names for this type of construction methodology as there are ways of doing it. With construction occurring across multiple sites and transport involving expensive building components there are some intricacies to the insurance programme that...