Are You Hiring Equipment?

Are You Hiring Equipment?

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...
How Cover For Legal Expenses Works

How Cover For Legal Expenses Works

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...
Contract Works Insurance Covers Subbies Too!

Contract Works Insurance Covers Subbies Too!

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...
Be Aware of the Building Defects Exclusion

Be Aware of the Building Defects Exclusion

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...
Why Take Out Statutory Liability Insurance?

Why Take Out Statutory Liability Insurance?

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...