Providing cover for all types of business in the construction industry

Contractors All Risks
Provides cover for materials on site forming part of the contact works and can include owned and hired in plant and employees tools and personal effects. Contract works cover provided up to handover or as required by contract.

Business Interruption
Provides the business with financial compensation following an insured loss under the above section.

Employers Liability
Provides the business with cover against damages and legal costs that arise as a result of claims from employees suffering an injury or disease due to, and during, their employment.

Material Damage
Provides cover for the business’s material property for loss or damage as a result of Fire, Lightning, Explosion, Aircraft, Theft, Riot, Malicious Persons, Earthquake, Storm, Flood, Escape of water, Impact by vehicles or animals and Accidental Damage.

Public and Products Liability
Cover is provided in respect of legal liability to pay compensation including legal costs for
• accidental death or personal injury to any person excluding employees
• accidental loss or damage to third party material damage

Performance Bonds
A performance bond is a financial tool used to guarantee that in the event of a developer or contractor's default, funds are available to finish the construction or other project. This is usually required where the insolvency of a contractor during the period of the contract will most likely result in delayed project completion and additional expenses for an alternative contractor to finish the work.

JCT 21.2.1
The Joint Contracts Tribunal (J.C.T.) Standard Form of Building Contract is in everyday use in the construction industry. Its provisions are extensive and include a number of clauses requiring insurance protection to be effected. 21.2.1 insurance protects the Employer in respect of any expense, liability, loss, claim or proceedings which they may incur or sustain by reason of injury or damage to any property other than the Works and Site Materials caused by collapse, subsidence, heave, vibration, weakening or removal of support or lowering of ground water arising out of or in the course of or by reason of the carrying out of the Works excepting injury or damage.

To discuss your individual business requirements contact either John Garry or Mike SmallboneAlternatively please use our online Enquiry Form