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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.

Practical Completion is important because if it’s not achieved by the Due Completion Date, the Employer can impose penalties on the Contractor.

The project Engineer must issue a Certificate of Practical Completion to the Contractor when he’s achieved Practical Completion. Once the Certificate has been issued, the Employer may occupy and use the Works, provided he gives reasonable access to the Contractor to finish the minor items still outstanding and to fix any defects.

Although the Employer may occupy and use the Works, the Contractor still has possession of the Works. This means the Contractor is still responsible for loss or damage to the Works, unless the loss or damage is caused by the Employer.

How to obtain a Certificate of Practical Completion:

When the Contractor believes the Works are practically complete, he must contact the Engineer to request the Certificate.
The Engineer must answer in 14 days and if he feels the Works aren’t yet practically complete, he must give the Contractor a list of the work which must be done to make the Works complete.
Once the Contractor has properly completed the work on the Engineer’s list, the Engineer should issue the Certificate of Practical Completion.

How Does a Contractor Claim For An Extension of Time?

by Dan Payton | July 12, 2018 | Contractors All Risk | 0 Comments

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).

When a Disgruntled Employee Sabotages Your Structure…

by Dan Payton | October 15, 2015 | Contractors All Risk | 0 Comments

Does Contractors Liability on the Contractors All Risk policy cover damages to a structure, caused by a disgruntled employee’s pre-meditated sabotage?

Three ways to insure your plant

by Dan Payton | September 28, 2021 | Contractors All Risk, Plant All Risks, Plant Insurance | 0 Comments

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.

Don’t drop the wrecking ball now

by Dan Payton | December 6, 2021 | Construction Liability, Contractors All Risk | 0 Comments

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 Are Latent Defects?

by Dan Payton | July 23, 2018 | Contractors All Risk | 0 Comments

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.

Plant Hire – Have you read the Contract?

by Dan Payton | February 16, 2016 | Contractors All Risk | 0 Comments

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.

Special project delay insurance for special risks

by Dan Payton | August 23, 2021 | Construction Liability, Contractors All Risk | 0 Comments

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 not covered by a Contractors All Risk Policy?

by Dan Payton | July 31, 2018 | Contractors All Risk | 0 Comments

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:

Why you need Contractors’ All Risk insurance

by Dan Payton | May 5, 2015 | Construction Liability, Contractors All Risk | 0 Comments

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.

Contractors All Risk policy – Should You Put Your Name On It?

by Dan Payton | September 2, 2015 | Contractors All Risk | 0 Comments

Dirk Gouws (Engineering Insurance expet, AC&E Engineering Underwriting Managers) explains the meaning of having your name on a Contractors All Risk policy.