Sasria Construction Cover: What You Actually Need to Know
TL;DR: (Too long, didn't read) A standard Contractors All Risk (CAR) policy does not cover riots, strikes, or political violence. Sasria covers that gap, but only if it has been set up properly and the full project value declared. Some add-ons (debris removal,...
Strict Liabilities – Who is Responsible?
Sharing a useful article written by Kobus Van Niekerk of Consort. We do not take ownership of the contents below.Author: Kobus Van Niekerk | Consort Public Liability insurance is designed primarily to provide indemnity to the Insured in respect of legal liability for...
Whose side is your guarantee actually on?
You know what a guarantee is. The problem is the wording and who it protects when things go wrong on site. Under certain guarantee structures, an employer can make a call without first proving you defaulted. If the demand meets the wording, the guarantor pays. Your...
What Contractors Get Wrong About Construction Mafia Insurance
Not every "construction mafia" incident is a SASRIA claim and that distinction can determine whether you get paid or not. SASRIA covers riots, public disorder, and looting linked to unrest. Armed extortion, theft, site intimidation, and insider sabotage often fall...
What Does Contractors All Risk Insurance Actually Cost?
If you're planning a building project in South Africa, Contractors All Risk (CAR) insurance is necessary either by contract or as a financial safety net that protects your work in progress, your materials, and your liability if something goes wrong on site. But unlike...
Floods and Droughts Through the Lens of the Contractors All Risk Policy
Extreme weather is not treated as a headline event in Contractors All Risk policies. It is treated as a mechanism of loss. Whether a claim succeeds depends less on what happened and more on how it happened, how long it happened, and whether it was sudden, unforeseen...
Understanding the CIDB Rating System in South Africa
The CIDB rating is a vital system in the South African construction industry. It is a grading assigned to construction contractors by the Construction Industry Development Board (CIDB), a government body. Essentially, a CIDB rating is a contractor's "license to trade...
Why On-Demand Guarantees Wording Can Destroy Contractors
In South African construction, guarantees are more than just paperwork - they determine how risk is shared between contractors and employers. A guarantee is a financial promise that protects an employer if a contractor fails to perform. But not all guarantees are...
Uncovering the devils in the detail, Spot the risks
In the construction sector, many smaller and mid-sized contractors are so focused on securing the next contract that they overlook crucial details in their contracts and construction insurance, which could put them at a serious disadvantage. This is the warning from...
The Hidden Dangers Of Plant Hire in South Africa
Hiring plant and equipment is a normal part of construction, civil works, and ready-mix operations. But in the rush of site work, contracts and documentation are often overlooked — and that can lead to serious problems if something goes wrong. We’re not here to alarm...
Are Your Vehicle Keys or Plant Remotes Insured?
When thinking about insurance, most of us focus on the big-ticket items—cars, equipment, and machinery. But what about the smaller, yet equally critical items like car keys or plant remotes? Losing these can bring unexpected costs and disruptions that you may not have...
Are you ready for the summer shut down?
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?
Scam Alert for Plant Hire Businesses
April 2022 We have recently been made aware of a criminal syndicate preying on construction plant hire companies. They have successfully generated both fraudulent Identity Documents (as per example below) and Company Registration documents. These criminals have...
Don’t drop the wrecking ball now
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?
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?
Three ways to insure your plant
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.
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?”
No good deed goes unpunished
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
“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?
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.
How do you secure a municipal tender above the CIDB grade you’re registered for?
Although CIDB grading requirements make it tricky for registered contractors to progress from one grading level to another, contractors are not prevented from applying for tenders above their grading status. A contractor may be awarded work one level above their...
