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 goes wrong hereFour covers run on one site, each with its own conditions. The losses this trade actually files are damage to works under construction, plant and equipment on site and injury to workers, including contractors' labour.
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.