Our InsuranceCover Options
Letter of Intent
A Letter of Intent shows you’re a serious bidder at tender stage. It tells the employer you’re ready to move, and gives you time to get the right insurance in place if the contract’s awarded.
Contractors Site Liability
Tailored liability insurance that protects your construction site and the parties named in the contract. It covers third-party property damage, bodily injury, and death arising from activities carried out under the terms of the contract.
Contractors All Risk (CAR)
Annual or Once-Off Contract Works Insurance
A comprehensive policy that covers the employer, main contractor, subcontractors, and sub-subcontractors during construction. It protects against accidental physical loss or damage to the works and materials on site – whether for a single project or across multiple contracts.
Construction Guarantees
Most contracts require security either retention or a performance guarantee.
Retention holds back your money and strains cash flow. A performance guarantee costs a small premium and keeps your retention intact.
If you’re paid upfront, an advance payment guarantee protects the employer until the work or materials are delivered.
These tools protect both sides – without tying up your cashflow.
Plant All Risk (PAR)
Your on-site machinery, scaffolding, and building tools aren’t covered under the Contract Works policy and must be insured under this section.
If selected, this cover protects owned, hired-in, and hired-out plant, tools, and equipment on an all-risk basis -excluding mechanical or electrical breakdown, unless caused by an accident.
It’s especially important to include plant hired-in cover when renting equipment, as CPHA contract terms typically make you liable for any loss or damage.
Design and Construct Indemnity (D&CI)
Many contractors assume they don’t need D&C Professional Indemnity cover because “the client handles the design.” While this may apply to Permanent Works, it ignores the contractor’s responsibility for Temporary Works – which are often designed and managed on site.
D&C PI also covers errors in supervision and faulty workmanship, even if the contractor didn’t do the design. If you’re responsible for how it’s built, you need protection.
Professional Indemnity
Provides for claims from professional services – such as giving advice, or making an error or omission, whether due to actual or alleged negligence.
This insurance protects you against legal liability to pay compensation, including both damages and defense costs, resulting from the performance of your professional duties.
