CONSTRUCTION LIABILITY

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General Liability

This policy provides cover to the contractor for their legal liability for damage to the property of others, or for the bodily injury to a member of the public, whilst carrying out the activities of the business. Cover can be arranged on an annual basis or per project.

Broadform Liability

This single project construction liability policy provides Broad Form cover for Construction Projects, indemnifying the Employer, Contractor, Sub Contractors as well as Consultants for their on-site construction activities.

More About General Liability

Third Party General Liability provides cover to the contactor for their legal liability for damage to the property of others or for the bodily injury to a member of the public whilst carrying out the activities of the business described in the schedule of insurance arising out of their works, excluding personal injury where covered by Workman’s compensation (”COID”)
The Third Party General Liability policy does not, however, provide cover for damage to the works itself. The policy may provide cover for works that have been handed over but this would depend on the insurance arrangements made for the handed over property.

Third Party General Liability cover can be arranged on an annual basis or project specific for the full construction period plus any Defects Liability or Maintenance Period required in the contract.

The policy can be extended to provide indemnity to the principal for liability arising out of the contractors’ negligence (PI Cover). It can also be extended to cover sub-contractors if required.

More About Broadform CONSTRUCTION LIABILITY

Single project Construction Liability provides non-cancellable Broad Form Liability insurance for Construction Projects providing indemnity for the legal liabilities of the Employer, Contractor, Sub Contractors as well as Consultants for their on-site construction activities. Cover can extend to include Lateral Support when required.

The Main Features of the Cover are:

No Contractual Liability Exclusion
Non Accident Operative Clause
Limits are inclusive of Costs and Expenses.

Not sure which policy you need?

FIND OUT MORE FROM THE CIVILSURE BLOG

Are your sites ready for shut down?

by Dan Payton | November 29, 2023 | Construction Liability, Contractors All Risk, Plant All Risks, Plant Insurance | 0 Comments

Now it the time to safeguard your site/s. As we approach the year-end festivities, it’s time to pause and prepare for potential risks that might impact both personal and professional environments. This information primarily targets contractors but holds significant...

Are you ready for the summer shut down?

by Dan Payton | December 14, 2022 | Construction Liability, Contractors All Risk, News & Updates, Plant All Risks, Plant Insurance | 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?

Don’t drop the wrecking ball now

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

Build a foundation against liability claims litigation with construction liability cover

by Dan Payton | September 28, 2021 | Construction Liability, Contractors All Risk | 0 Comments

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?”

No good deed goes unpunished

by Dan Payton | July 26, 2021 | Construction Liability, Contractors All Risk | 0 Comments

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

by Dan Payton | November 24, 2020 | Construction Liability, Contractors All Risk | 0 Comments

“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?

by Dan Payton | October 20, 2020 | Construction Liability, Contractors All Risk, Guarantees, Professional Indemnity, Trade Credit | 0 Comments

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.

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.