Construction and Infrastructure
Four covers run on one site, each with its own conditions. After a collapse the argument is rarely whether it happened, but which of the four answers.
What we see
- Damage to works under construction
- Plant and equipment on site
- Injury to workers, including contractors' labour
- Third-party injury and damage around the site
Where these claims go wrong
two, specificallyWhose worker was it
Direct employee, contractor's or sub-contractor's. Cover for contract labour is a specific extension, and this single fact decides whether the claim sits under your policy at all.
The maintenance period
Cover after handover runs on different terms and for a defined period. Claims arising in that window get argued about more than any other on a construction file.
Open these first
Employee Injury Claim
An employee, contractor or site worker injured or killed at work.
Liability Claim
A third party alleges injury, damage or loss caused by you or your product.
Fire Claim
A fire, explosion, lightning strike or impact loss at a business premises.
Had one of these, and the file already going sideways?
Whoever placed your policy, and whatever stage the claim has reached.