Contract works insurance includes a cessation of work exclusion, which says there is no cover if work has stopped on site for a certain period of time.

Here are 7 things you should remember when you’re thinking about Christmas and the holidays, as well as rushing to finish off projects for demanding customers.

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...

Have you taken the simple steps needed to protect your identity, email, banking and business data from identity thieves, hackers or ransomware? Scammers are targeting builders because they are more likely to send invoices for large one-off amounts that can be...

On my recent road trip catching up with builders around the lower North Island pretty much everyone raised the issue of supply of materials. This included merchants out of stock, much longer lead times on ordering materials and cost increases across the board. Some of...