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Do builders need errors & omissions indemnity insurance?
Errors & omissions indemnity or professional indemnity insurance (they are the same thing) covers your liability for mistakes you make (or someone acting on your behalf makes) that cause someone else a financial cost.
10 Year Builders Guarantees vs Consumer Protection Law – What’s the Difference?
One of the most common questions we’re asked by builders is to explain the difference between their responsibility to guarantee their work for 10 years under the Building Act and the cover provided by a 10 year Homefirst, Certified Builders or Master Build Guarantee.
Managing Business Risk, Part Five – Personal/Family
In our final article in the four part series on managing risk for trade businesses we focus on the risk of something happening to key people in the business (that means you).
Managing Business Risk, Part Four – Financial
Unfortunately, it is a fact that over half of all New Zealand construction businesses will have failed after just four years*. The Mainzeal collapse in 2013 served to highlight the risk that many sub-contractors face when working for a principal contractor; the danger of not getting paid for work done and/or losing retention money that has been withheld.
Managing Business Risk, Part Three – Liability
Construction is a risky business, more so than most, yet many builders don’t spend enough time really understanding their risk environment and putting in place strategies to manage, avoid or transfer that risk.
Managing Risk in Your Business, Part Two – Property/Asset Risk
Construction is a risky business, more so than most, yet many builders don’t spend enough time really understanding their risk environment and putting in place strategies to manage, avoid or transfer that risk. In this second article in our Understanding Risk series, we focus on the area that is probably best understood; protecting assets from damage or loss.