Wherever possible, we recommend that a client’s construction contract is structured so that the client is responsible for arranging insurance protection. This is usually referred to as ’employer’, ‘owner’ or ‘principal’ controlled insurance. Under an employer-controlled programme, the employer organises insurance for construction in the joint names of him or herself, the financier, the contractor and sub-contractors working on the project.
Tender documents will exclude a requirement for insurance and identify the extent of the employer provided policies, as well as contractors’ continuing responsibilities.
A range of cover is available. Typically we recommend: all risks of loss or damage to works including an element of damage caused by defective design; all risks of loss or damage to unfixed materials; public and products liability; loss of income due to delays; non-negligent damage to adjoining and surrounding properties; and cover for latent defects in structural elements of the building.
In the event of a claim in relation to a commercial business policy, you should contact your Lycetts account executive/handler as soon as possible. When completing claim forms, ensure the whole form is completed as far as possible and it is signed on your behalf or your company’s behalf by an authorised person. For further detailed information relating to claims concerning injury to employees or third parties, damage to third party property, loss or damage to own property, personal accident and sickness or motor accidents, please click here.
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