Defective Workmanship – The Silent Claim Killer Hidden Inside a Collapsed Column
Most contractors don’t lose money on site. They lose it in the moment a structure fails and the policy wording is finally tested. When a defective concrete column triggers a bigger failure, the difference between a paid claim and a financial disaster...
The operative clause in CAR insurance: why it decides whether your claim even gets considered
Too Long Didn't Read The operative clause in CAR insurance decides what has to happen before a claim is even considered, not the premium, the excess, or the sum insured. Some policies need only unexpected damage that isn’t excluded; others also require proof...
Sasria Construction Cover: What You Actually Need to Know
TL;DR: (Too long, didn’t read) A standard Contractors All Risk (CAR) policy does not cover riots, strikes, or political violence. Sasria covers that gap, but only if it has been set up properly and the full project value declared. Some add-ons (debris...
What Does Contractors All Risk Insurance Actually Cost?
If you’re planning a building project in South Africa, Contractors All Risk (CAR) insurance is necessary either by contract or as a financial safety net that protects your work in progress, your materials, and your liability if something goes wrong on site. But...
Floods and Droughts Through the Lens of the Contractors All Risk Policy
Extreme weather is not treated as a headline event in Contractors All Risk policies. It is treated as a mechanism of loss. Whether a claim succeeds depends less on what happened and more on how it happened, how long it happened, and whether it was sudden, unforeseen...
Uncovering the devils in the detail, Spot the risks
Helping contractors avoid the costly consequences of overlooked project risks In the construction sector, many smaller and mid-sized contractors are so focused on securing the next contract that they overlook crucial details in their contracts and construction...
Are Your Vehicle Keys or Plant Remotes Insured?
When thinking about insurance, most of us focus on the big-ticket items—cars, equipment, and machinery. But what about the smaller, yet equally critical items like car keys or plant remotes? Losing these can bring unexpected costs and disruptions that you may not have...
Are you ready for the summer 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?
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?
Build a foundation against liability claims litigation with construction liability cover
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?
Three ways to insure your plant
Civilsure understands the importance and necessity of comprehensive plant insurance at a reasonable rate. We also know that you expect impeccable service and attention to detail at claims stage. That is why we are committed to helping you choose the correct plant all risk (PAR) for your business needs.
Special project delay insurance for special risks
You know that there are many risks associated with running a construction company. After civil unrest wreaked havoc in South Africa in June and July this year, you may be asking yourself: “What would happen if we should have to temporarily close our construction sites because of civil commotion, public disorder, rioting, looting, labour disturbances, strikes, a lockout – or even an act of terrorism?”
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?
Plant All Risk Advice
“PAR” stands for Plant All Risks, and is a section of insurance cover that is intended to cover all types of construction plant i.e. mobile yellow metal plant such as Graders, TLB’s, Excavators and / or non-mobile construction equipment such as scaffolding, generators and small tools. These are typically used on construction and civil engineering projects ranging from residential to commercial to large infrastructure projects. A PAR policy will cover risks that are fortuitous working accidents/ sudden and unforeseen losses or damages…
Help! What construction insurance do I need?
Understandably this can be a challenge as there is a myriad of cover available in the construction insurance landscape.
Let’s quickly unpack 5 Construction Insurance options for you.
What is not covered by a Contractors All Risk Policy?
The main part of the Contractors All Risks insurance is the Contract Works section which provides cover for the property being worked on (e.g. new house, etc.). But it’s important to be aware of what’s not covered by a contractors all risk policy, these are just a few examples:
What is Plant All Risk Insurance?
Your onsite machinery (plant) is vulnerable to a number of problems such as breakdowns, vandalism and theft. Missing a project deadline can be bad news for your bottom line as well as your reputation. Plant All Risk Insurance covers you for loss of, or damage to, construction plant and equipment whilst in storage, transit, on the contract site or being use as a tool of trade.
Does a Construction All Risk Policy cover damage to surrounding property?
Yes, damage to surrounding property is covered by a construction all risk policy, provided it’s included as an add-on to the Contract Works cover. This means an extra premium would be charged to get the specified surrounding property covered.
What Are Latent Defects?
A Latent Defect is a defect that is not detected by ordinary inspection, but lies hidden until sometime later, when it’s discovered because it causes a problem that everyone can see. An example of latent defects would be weak concrete in part of a bridge column, that looks the same as strong concrete, but collapses when a heavy truck drives over the bridge.
