Two important but often confused types of insurance that help manage employee risks are Employers Liability and Employment Disputes Liability insurance. While both relate to your obligations as an employer, they protect you from very different threats.
An exemption to the Building Act means single-storey, stand-alone dwellings less than 70sqm can be built without requiring a building consent. There are conditions to meet, so it’s critical builders understand that failure comply with these conditions could leave you exposed to liability.
When most construction business owners think about risk, they think about contract disputes, weather events, defective workmanship, staff injuries, or material price escalation. What they often don’t think about is cyber crime. In August 2021, the email account of a...
One of the most common (and complicated) issues we see from builders isn’t good old fashioned accidental damage. It’s far more costly over time, in reputation, time and money: defective workmanship allegations and the inevitable question of who pays to put it right.
It's easy to forget things when you're thinking about Christmas and the holidays, as well as rushing to finish off projects for demanding customers. Here are ten things you should remember: 1. Secure your sites before you go (and take your tools with you) They're...
For the purposes of insurance anything that should be road registered is considered to be a vehicle. That includes trailers.
From August 2025 the Government has made it illegal to insure fines levied under the Resource Management Act.
The consequences of inadequately maintained or wrongly connected trailers can be fatal.
Anyone with domestic house insurance pays for Natural Hazards Insurance, which is a compulsory levy collected by insurers for the Natural Hazards Commission. However, the NHC has the discretionary power to decline cover where a Natural Hazard Section Notice is recorded on a property title.
The “Your Products” exclusion in public/general/broadform liability insurance can be extremely frustrating for builders and other trades. This article discusses how is it applied and also how contract works insurance and defective work cover fit in.
This article outlines the key insurance considerations for builders and other construction contractors who are looking to retire.
We recently helped a new customer change insurer (and broker) after it was discovered that they had been insured, incorrectly, as a project manager rather than a building contractor. It turns out if that customer had needed to make a claim (which fortunately they...
