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Are your sites ready for shut down?

As a responsible construction company owner, you know the importance of insuring your plant and making sure that your other necessary policies are in place with CivilSure. But did you know that the number of instances of – and the size of – liability claims litigation is higher than ever, and climbing? Before we make sure that your business is protected against this kind of litigation with Construction liability cover, let’s first take a look at why it is happening more often.

One of the main reasons that liability claims litigation is gaining traction in South Africa is the fact that individuals who could not previously afford to hire an attorney can now do so under the Contingency Fees Act 66 of 1997.

    Letter of Intent

    Any person who wishes to engage the services of an attorney must be able to pay for these services. A contingency fee arrangement means that an attorney may represent a plaintiff and conduct litigation on their behalf. The attorney carries all costs involved on the condition that, if the litigation is successful, they can charge the plaintiff double their original fee or up to 25% of the compensation awarded to the plaintiff. These contingency fee arrangements have influenced the number of and the size of liability claims that end up in mediation or court.

    Simply put, contingency fee arrangements mean that any person with a valid, legally reasonable claim can now instigate legal action against you. This means that you have to make sure that you have adequate liability cover in place. Along with other important factors, this type of policy provides cover to the contractor for their legal liability for the physical injury to a member of the public or their property while carrying out the activities of the business as described in the schedule of insurance. It is important to note that personal injuries sustained to your employees during the course of their duties will be covered under the Workman’s Compensation Fund and thus it is critical that you are in good standing with the Compensation Commissioner.

    Contact us to make sure that you have the right policies in place to protect your construction company, and that they are up to date.

    CivilSure provides niche risk solutions to the construction and civils industry. We pride ourselves on delivering world class customer-centric services and specialist advice. We specialise in Construction Guarantees, Contractors’ All Risk Insurance, Construction Liability, Professional Indemnity and Plant All Risk Insurance.

    Trusted. Reliable. Partner. Since 2005.


    How Does a Contractor Claim For An Extension of Time?

    A Contractor can claim for an extension of time, thus extending the Due Completion Date for a project. He can also claim for any costs which will increase due to being on site for longer (called time-related General Items).

    What’s the difference between a Performance Bond and a Performance Guarantee?

    The term Performance Bond is often misleading, which can leave contractors confused about the difference between a performance bond and a performance guarantee. Most construction Performance Bonds are actually Guarantees. Bonds and Guarantees are related but are different. The right to claim under a Guarantee is linked to non-performance of the underlying contract. Under a Bond, the bank usually pays on demand regardless of the underlying contract.

    When is a Performance Guarantee called on?

    Building Contractors often ask us the question: When is a Performance Guarantee called on? When your company starts bidding on projects for cities, provinces or municipalities, you’ll be expected to provide assurance that you can meet the obligations detailed in the Contract.

    This assurance comes in the form of a Performance Guarantee. Basically, what happens is that a surety company (an insurer or bank), for a certain fee, steps in and guarantees your performance. Surety companies don’t work directly with Contractors. Instead, they partner with brokerages like us.

    Why you need Contractors’ All Risk insurance

    All construction work, no matter the size or complexity of the project, contains an element of risk. Find out why you need Contractors All Risk Insurance.

    Don’t drop the wrecking ball now

    As a responsible construction company owner, you know the importance of insuring your plant and making sure that your other necessary policies are in place with CivilSure. But did you know that the number of instances of – and the size of – liability claims litigation is higher than ever, and climbing?

    Construction of the Tallest Building in South Africa

    Read the history >> Construction of the tallest building in South Africa, the Carlton Centre. Built in 1973 and designed by architects Skidmore & Owens.

    Are your sites ready for shut down?

    Now it the time to safeguard your site/s. As we approach the year-end festivities, it’s time to pause and prepare for potential risks that might impact both personal and professional environments. This information primarily targets contractors but holds significant...

    No good deed goes unpunished

    Employing smaller companies as sub- or independent contractors gives your own business more flexibility and allows local contractors to expand their business. But, did you know that as the client, you might be held civilly liable for any costs or compensation in case of work-related injuries or illness?

    Why is a Contract Works Policy Necessary?

    When it comes to planning a new construction project, insurance doesn’t always get the priority it requires, with contractors often wondering whether it is really necessary to take out a contract works policy at all. Very often the contract works policy is arranged at the last minute, or even after the project has already started.

    What is the Defects Liability Period?

    The Defects Liability Period starts when the Certificate of Completion is issued and continues for the period agreed to in the Contract. During the Defects Liability Period, the Contractor has to obey all written instructions from the Engineer to carry out repairs and fix any defects which appear in the Permanent Works, so that, at the end of the Defects Liability Period, the Permanent Works are in the condition required by the Contract.

    Civilsure Letter of Intent
    Civilsure Construction Guarantees
    Civilsure Contractors All Risk
    Civilsure Get A Quote
    Civilsure Construction Liability
    Civilsure Trade Credit
    Civilsure Professional Indemnity

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