Roofers face unique challenges, from working at heights to dealing with hazardous materials. Here are some of the most common liability insurance claims from roofers, with examples.
Common Liability Insurance Claims from Roofers
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Understanding Public Liability Insurance: Property Being Worked On vs Property in Your Care, Custody, or Control
For builders, understanding the nuances between “property being worked on” and “property in your care, custody, or control” within their public liability insurance policy can significantly impact their coverage and financial protection.
The Dangers of Hot Work and How to Avoid Causing Damage
Understanding the dangers of hot work such as welding, cutting and grinding, and implementing preventive measures is crucial to ensuring safety and avoiding damage.
Risk Management and Insurance 101 for Building Apprentices
As an apprentice working for a builder, hopefully on wages and not as a contractor, you have less to worry about than the business owner. But if your plan is to go out on your own one day it pays to have at least a basic understanding of the risks you will need to manage, and what sort of insurance package you might need.
Three construction companies ordered to pay more than $675,000 after two worker deaths
Three companies working in the construction sector have been sentenced for two separate incidents that each resulted in the tragic death of a young worker.
How much will a liability policy pay if you cause damage to someone’s property?
Public liability insurance covers the loss someone else has suffered that you’re responsible for. But, it will only cover the actual value of the damaged item, not the cost to replace it with a new one. That can leave a gap between what you’re liable for and what the policy covers. That’s why it’s best for these claims to first be made on the building or contents insurance, as those policies pay replacement value. That insurer will then seek to recover their loss (the full replacement value) from you and your liability insurance will cover this whole amount (since that is the amount of the loss the insurer has suffered). The homeowner’s excess will be covered too and they won’t have an adverse claim history either, since their insurer was fully reimbursed for the claim.
Should I claim on public liability or contract works insurance?
It’s not uncommon for accidental damage to potentially be covered under both contract works and liability insurance. Generally, this comes up when a sub-contractor has caused damage to other parts of the work in progress. Which policy should the claim be made on?
The Difference Between Defective Workmanship and Property Being Worked On Cover in Public/General/Broadform Liability Insurance
Insurers in New Zealand have different approaches to the way they cover issues of faulty workmanship. This is particularly relevant for contractors that commonly work on or around other people’s property. Which cover is the right one depends on the type of work you’re doing.
Do you have the right insurance as a landscaper?
Managing risk as a landscaper is about more than just having the right insurance. You need to have a good risk assessment process and make sure you appropriately manage the risks that are identified.
FAQs from ITM’s 2023 LBP Training Days
We answer the questions: what is the Building Defects Exclusion; when should I have contract works insurance; do I need to have both public liability and contract works insurance; are sub-contractors covered by contract works insurance?
Work out the value of your tools
Most builders tools are undervalued and underinsured. Use our smart tools inventory to work out how much your stuff is worth, record evidence of ownership and keep it updated as you buy more.
Managing Risk and Insurance Basics for Apprentices
As an apprentice working for a builder, hopefully on wages and not as a contractor, you have less to worry about than the business owner. But if your plan is to go out on your own one day it pays to have at least a basic understanding of the risks you will need to manage, and what sort of insurance package you might need.