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Plant Hire | CivilSure Insurance for the Construction Industry
Do you ever get evidence of the Plant Hire Contract when you hire in a Concrete Pump Truck or another item of plant? Knowing the Terms and Conditions of hiring plant in is a fundamental step you don’t want to miss. Where there is documentation to support the hire of plant, it may take various forms. Usually, there will be some form of order. Whether it is a specially designed pro-forma, or just an email or facsimile , it should provide sufficient information to enable the Terms & Conditions of Hire to be clearly identified. In a perfect world, every hiring of plant would be covered by a separate, written Hire Agreement and the Contractors Plant Hire Association (“CPHA”) produces such a document for use by its members. In reality, whilst there is generally some documentation relating to each hire, this does not necessarily comprise a consistent sequence along the lines of order, acknowledgement and invoice, all making reference to one and the same set of terms and conditions (or to any conditions at all).

If there is no specific reference to CPHA conditions, then enquiries must be made to establish whether CPHA conditions had been discussed verbally and agreed by the parties before the relevant paperwork was issued. The trading history of the parties is also relevant. There may, for example, be a Term Agreement in place with a particular supplier which sets out the Terms & Conditions under which all plant will be hired. Alternatively, there may be an unwritten understanding between the parties to the same effect. Plant is frequently hired by cell phone, either from the contract site or from your centrally based Ready Mix orders Department. In the latter case, there is likely to be more consistency over agreed Terms & Conditions and better paperwork, but, it is all too common for plant to be hired at short notice and in a hurry, particularly from site, when cost and availability are the overriding concerns and there is unlikely to be any consideration given by the hirer to other aspects. Does the fact that your site agent or foreman who ordered a Digger loader late on a Friday afternoon, at an agreed rate of R300.00 per hour plus diesel, with transport of R1000.00 each way, mean that you have no obligations other than to pay for the hire of the machine? Even at common law, there are liabilities upon those who hire plant, as they will be deemed to be bailees and therefore obliged to take reasonable care of the goods and return them to the supplier at the end of the hire period.


Your responsibility as hirer



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 ‘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.

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.

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.

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.

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.

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?

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 a Contractors All Risk Insurance policy?

A Contractors All Risk insurance policy, provides cover for the contract works, surrounding property, contractors’ public liability, SASRIA, Special Risks..

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