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Don’t drop the wrecking ball now

by | Dec 6, 2021 | Construction Liability, Contractors All Risk

Keep your Sites, Works and Plant covered this Christmas

It’s been another tough year and you’ve been working hard to catch up on delays caused by lockdown and restrictions. You deserve to relax during the upcoming holiday season.

While insurance is there to protect your business, keep in mind that you are responsible for taking certain steps to adhere to your policy’s stipulations.

    Letter of Intent

    When it comes to protection of the works, the contractor or employer must take all reasonable precautions to protect the sections of work and the surrounding property being worked on where the roof is exposed during the execution of the project. One of the easiest ways to do so is using heavy duty tarpaulins to cover exposed roof areas.

    Will closing for the builders’ holiday lead to any unoccupied sites? Your policy may exclude work in progress that has not been completed to a state where it can be left unsupervised. Unfortunately, theft remains a real problem in South Africa and is often accompanied by malicious damage to goods and/or immovable property. Please make sure that you understand what your policy expects from you for a claim to be processed in case of theft from a site. Theft cover is often subject to proven forcible or violent entry to or from the premises, and the insured taking reasonable precautions to prevent the theft or vandalism. These steps may include, but are not limited to, the provision of qualified security personnel on site, regular patrols and only delivering materials to a site that will be used during that day’s work. These and other conditions may also apply to theft cover for loss or damage to property stored off-site, so be sure to check the relevant sections of your policy.

    These are all very easy ways in which you can make sure that you can enjoy a stress-free holiday. Take the necessary steps now to make sure that you can relax from 16 December. We trust that you will have a restive festive season and hope that you get to spend quality time with those nearest to you.

    Contractors’ All Risk is a powerful policy that provides comprehensive cover for all projects that your company undertakes. It is, however, also important to protect your valuable equipment and machinery with Plant All Risk insurance. The three easy ways to cover your plant are explained in this blog.

    Contact us for more information, to help you prepare for the festive season break, or to get a quick quote on Contractors’ or Plant All Risk.


    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 is ‘Practical Completion’?

    Practical Completion doesn’t mean the Contractor has finished the Works in every detail. It means the Works are sufficiently complete to be safely used by the Employer for the purpose he intended. The Contractor may still complete minor items and fix defects after Practical Completion, as long as the Employer isn’t inconvenienced.

    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?”

    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.

    How do you get a Performance Guarantee?

    When applying to get a Performance Guarantee, you’ll have to answer basic questions about your professional work experience and your company’s financial history. If your business has more than one owner, the financial credentials of all owners must be submitted.

    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?

    Plant Hire – Have you read the Contract?

    Have you read your plant hire contract? You should get evidence of the plant hire contract when you hire in a concrete pump truck or any other item of plant.

    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.

    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 a Performance Guarantee?

    A Performance Guarantee is a contractor’s promise to complete the construction project within the deadlines, while meeting all contractual conditions.

    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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