{"id":48843,"date":"2018-11-09T15:15:20","date_gmt":"2018-11-09T15:15:20","guid":{"rendered":"https:\/\/www.pbctoday.co.uk\/news\/?p=48843"},"modified":"2018-11-09T15:23:36","modified_gmt":"2018-11-09T15:23:36","slug":"insurance-construction-engineering-projects","status":"publish","type":"post","link":"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/insurance-construction-engineering-projects\/48843\/","title":{"rendered":"Insurance for construction and engineering projects"},"content":{"rendered":"<h2>We take a look at the different types of insurance that may be required or upheld in connection with a construction and engineering project<\/h2>\n<h3>What is insurance?<\/h3>\n<p>Insurance is an arrangement by which a company or the state undertakes to provide a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a specified premium.<\/p>\n<p>The insurer agrees to give the insured some benefit (usually financial compensation) if a specified event occurs. The event must involve some uncertainty about whether or when it will happen.<\/p>\n<h3>Why use insurance on a construction project?<\/h3>\n<p>There are many risks associated with any <a href=\"https:\/\/www.pbctoday.co.uk\/news\/bim-news\/why-collaboration-is-key-in-construction-projects\/38072\/\">construction project<\/a>. The majority of these risks are usually assumed (and priced) by the contractor during the construction phase. The contractor usually covers this exposure by taking out various insurance policies.<\/p>\n<p>Insurance provides protection both for the insured, and for the party to whom the insured has a\u00a0liability.<\/p>\n<p>It is for each individual or party to decide upon\u00a0insurance\u00a0policies that are appropriate for their circumstances. It is very expensive to over-insure and it could be very expensive to under-insure in the event that a\u00a0claim\u00a0is made.<\/p>\n<figure id=\"attachment_48846\" aria-describedby=\"caption-attachment-48846\" style=\"width: 300px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-48846\" src=\"https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/\u00a9-Gstudioimagen-300x300.jpg\" alt=\"Insurance for construction \" width=\"300\" height=\"300\" srcset=\"https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/\u00a9-Gstudioimagen-300x300.jpg 300w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/\u00a9-Gstudioimagen-150x150.jpg 150w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/\u00a9-Gstudioimagen-768x768.jpg 768w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/\u00a9-Gstudioimagen-1024x1024.jpg 1024w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/\u00a9-Gstudioimagen-696x696.jpg 696w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/\u00a9-Gstudioimagen-1068x1068.jpg 1068w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/\u00a9-Gstudioimagen-420x420.jpg 420w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/\u00a9-Gstudioimagen.jpg 1732w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><figcaption id=\"caption-attachment-48846\" class=\"wp-caption-text\">\u00a9 Gstudioimagen<\/figcaption><\/figure>\n<h3>Types of insurance for construction projects<\/h3>\n<p>We know it can be easy to get lost in the jargon and minefield of different policies, so we\u2019ve summarised the key types of insurance you need to be aware of.<\/p>\n<h3>Public liability<\/h3>\n<p>Construction\u00a0contracts\u00a0will normally include a clause requiring the contractor to carry insurance to cover expense, loss, liability, claim or proceedings for personal injury or death arising from the carrying out of the construction works, or loss or\u00a0damage to property\u00a0other than the works.<\/p>\n<p><a href=\"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/insurance-needed-self-build\/47861\/\">Public liability insurance<\/a>\u00a0may cover against\u00a0claims\u00a0by:<\/p>\n<ul>\n<li>Members of the\u00a0public\u00a0visiting the business of the insured.<\/li>\n<li>Customers.<\/li>\n<li>Clients.<\/li>\n<li>People taking part in events or activities organised by the insured.<\/li>\n<li>People watching events or activities organised by the insured.<\/li>\n<li>Independent\u00a0sub-contractors.<\/li>\n<\/ul>\n<figure id=\"attachment_48845\" aria-describedby=\"caption-attachment-48845\" style=\"width: 300px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-48845\" src=\"https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/Insurance-for-construction-and-engineering-projects-\u00a9-Pojoslaw--300x230.jpg\" alt=\"Insurance for construction\" width=\"300\" height=\"230\" srcset=\"https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/Insurance-for-construction-and-engineering-projects-\u00a9-Pojoslaw--300x230.jpg 300w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/Insurance-for-construction-and-engineering-projects-\u00a9-Pojoslaw--768x588.jpg 768w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/Insurance-for-construction-and-engineering-projects-\u00a9-Pojoslaw--1024x784.jpg 1024w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/Insurance-for-construction-and-engineering-projects-\u00a9-Pojoslaw--80x60.jpg 80w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/Insurance-for-construction-and-engineering-projects-\u00a9-Pojoslaw--696x533.jpg 696w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/Insurance-for-construction-and-engineering-projects-\u00a9-Pojoslaw--1068x818.jpg 1068w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/Insurance-for-construction-and-engineering-projects-\u00a9-Pojoslaw--549x420.jpg 549w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/Insurance-for-construction-and-engineering-projects-\u00a9-Pojoslaw--1920x1470.jpg 1920w, https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/Insurance-for-construction-and-engineering-projects-\u00a9-Pojoslaw-.jpg 1979w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><figcaption id=\"caption-attachment-48845\" class=\"wp-caption-text\">\u00a9 Pojoslaw<\/figcaption><\/figure>\n<h3>Employer liability<\/h3>\n<p>Personal injuries of\u00a0employees\u00a0will be covered by the\u00a0contractor\u2019s\u00a0employers\u2019 liability insurance, which is compulsory for all\u00a0employers\u00a0under the\u00a0<a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/1969\/57\/contents\">Employers\u2019 Liability (Compulsory Insurance) Act<\/a>. All firms who employ staff are legally required to hold\u00a0Employers Liability Insurance. It\u2019ll cover claims from employees who\u2019ve been injured or become seriously ill as a result of working for you.<\/p>\n<p>Public liability insurance\u00a0and\u00a0employer liability insurance\u00a0are typically offered in a single policy which may also cover\u00a0office\u00a0contents and\u00a0buildings\u00a0insurance\u00a0requirements.<\/p>\n<h3>Product liability<\/h3>\n<p>Product liability insurance\u00a0can cover the cost of compensation claims if someone is injured or their property is damaged by a product that you\u2019ve sold. In certain situations, you may be liable even if you haven\u2019t actually manufactured the product.<\/p>\n<p>You don\u2019t need to manufacture a product in order to require product liability. Importing and repairing in some cases is enough to make you liable.<\/p>\n<p>Product liability insurance covers against a compensation case brought against a producer for loss, damage or injury, which can be made any time within three years of using the product. In some cases this can be longer. There is no upper limit to how much the claim can be and is calculated against the severity of the individual case and the scale of loss.<\/p>\n<p>If a faulty product is widely distributed and has wide scale affects the compensation costs can easily be in millions.<\/p>\n<h3>Contractors\u2019 All Risk (CAR) insurance<\/h3>\n<p>Contractors&#8217; all risks (CAR) insurance is a non-standard\u00a0insurance policy that provides coverage for\u00a0property damage\u00a0and third-party injury or damage claims, the\u00a0two principal types of risks on construction\u00a0projects.<\/p>\n<p>Damage to\u00a0property can\u00a0include improper construction of\u00a0structures,\u00a0damage that happens during a renovation\u00a0and damage to\u00a0temporary work erected on-site.\u00a0Third\u00a0parties, including subcontractors, may also become injured while working at the construction site.\u00a0CAR insurance not only\u00a0covers those associated risks, but also\u00a0bridges these two types of risks into a common policy\u00a0designed to\u00a0cover the gap between exclusions that would otherwise exist if\u00a0using separate policies.<\/p>\n<p>CAR insurance coverage is common for construction projects such as buildings, water tanks, sewage treatment plans, flyovers and\u00a0airports.<\/p>\n<p>The goal of a CAR insurance policy is to ensure\u00a0all parties are covered on a project, regardless of the type of damage to the property or who caused the damage.<\/p>\n<h3>Professional indemnity insurance<\/h3>\n<p>Professional indemnity insurance\u00a0can cover compensation payments and legal fees if a business is sued by their client for a mistake they\u2019ve made in their work. The compensation payment will usually take into account the financial loss that the client has suffered.<\/p>\n<p>Professional indemnity insurance can cover you for mistakes including professional negligence, unintentional breaches of confidentiality or copyright, and loss of documents or data.<\/p>\n<h3>Structural warranty<\/h3>\n<p><a href=\"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/all-you-need-to-know-about-structural-warranty\/41840\/\">Structural warranty<\/a> is insurance for the structure of your new home, normally for a period of 10 years after completion, depending on the provider and policy.<\/p>\n<p>Although structural warranty is purchased by the builder before construction starts, it protects the homeowner from\u00a0structural defects\u00a0that may occur during the first ten years after it has been completed.<\/p>\n<p>Structural warranties can include; defects insurance, structural insurance, contaminated land, building control cover and deposit protection.<\/p>\n<p>A structural warranty is not compulsory. However,\u00a0most lenders will require one, and a homeowner may have issues when it comes to selling a house that is less than ten years old if they don\u2019t have a warranty.<\/p>\n<h3>2017\/18 health and safety statistics from <a href=\"http:\/\/www.hse.gov.uk\/\">HSE<\/a> show:<\/h3>\n<ul>\n<li><strong>1.4 million<\/strong>\u00a0working people suffering from a work-related illness<\/li>\n<li><strong>2,595<\/strong>\u00a0mesothelioma deaths due to past asbestos exposures (2016)<\/li>\n<li><strong>144<\/strong>\u00a0workers killed at work<\/li>\n<li><strong>555,000<\/strong>\u00a0injuries occurred at work according to the Labour Force Survey<\/li>\n<li><strong>71,062<\/strong>\u00a0injuries to employees reported under RIDDOR<\/li>\n<li><strong>30.7 million<\/strong>\u00a0working days lost due to work-related illness and workplace injury<\/li>\n<li><strong>\u00a315bn<\/strong>\u00a0estimated cost of injuries and ill health from current working conditions (2016\/17).<\/li>\n<\/ul>\n<p>With figures like these, it\u2019s easy to see that more protection is needed for workers in this industry and that <a href=\"https:\/\/www.pbctoday.co.uk\/news\/planning-construction-news\/experts-say-that-over-50-of-building-contractors-are-not-fully-insured\/41535\/\">construction insurance is very important<\/a>.<\/p>\n<p>Choosing a good\u00a0construction insurance policy\u00a0and the appropriate additional cover is really important so it\u2019s best not to rush the decision.<\/p>\n<div class=\"mk-custom-module-container\">\n<\/div>","protected":false},"excerpt":{"rendered":"<p>We take a look at the different types of insurance that may be required or upheld in connection with a construction and engineering project.<\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[306],"tags":[429,568,676,664,636,671],"stakeholder_rel_tag":[],"contributor_rel_tag":[],"class_list":{"0":"post-48843","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-building-control-news","7":"tag-building-control","8":"tag-building-regulations","9":"tag-construction","10":"tag-construction-services","11":"tag-engineering","12":"tag-insurance"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Insurance for construction and engineering projects<\/title>\n<meta name=\"description\" content=\"We take a look at the different types of insurance that may be required or upheld in connection with a construction and engineering project\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/insurance-construction-engineering-projects\/48843\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance for construction and engineering projects\" \/>\n<meta property=\"og:description\" content=\"We take a look at the different types of insurance that may be required or upheld in connection with a construction and engineering project.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/insurance-construction-engineering-projects\/48843\/\" \/>\n<meta property=\"og:site_name\" content=\"Planning, Building &amp; Construction Today\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PBCToday\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-11-09T15:15:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-11-09T15:23:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pbctoday.co.uk\/news\/wp-content\/uploads\/2018\/11\/Insurance-for-construction-and-engineering-projects-\u00a9-Gstudioimagen.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1721\" \/>\n\t<meta property=\"og:image:height\" content=\"1742\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Steph Blundell\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Insurance for construction and engineering projects\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/Steph_PBCToday\" \/>\n<meta name=\"twitter:site\" content=\"@PBC_Today\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/insurance-construction-engineering-projects\/48843\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/insurance-construction-engineering-projects\/48843\/\"},\"author\":{\"name\":\"Steph Blundell\",\"@id\":\"https:\/\/www.pbctoday.co.uk\/news\/#\/schema\/person\/baf6766a43e70a35cada0c600519a2fb\"},\"headline\":\"Insurance for construction and engineering projects\",\"datePublished\":\"2018-11-09T15:15:20+00:00\",\"dateModified\":\"2018-11-09T15:23:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/insurance-construction-engineering-projects\/48843\/\"},\"wordCount\":1036,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\/\/www.pbctoday.co.uk\/news\/#organization\"},\"keywords\":[\"Building Control\",\"Building Regulations\",\"Construction Processes\",\"Construction services\",\"Engineering\",\"Insurance services\"],\"articleSection\":[\"Building Control News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/insurance-construction-engineering-projects\/48843\/#respond\"]}],\"copyrightYear\":\"2018\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.pbctoday.co.uk\/news\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/insurance-construction-engineering-projects\/48843\/\",\"url\":\"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/insurance-construction-engineering-projects\/48843\/\",\"name\":\"Insurance for construction and engineering projects\",\"isPartOf\":{\"@id\":\"https:\/\/www.pbctoday.co.uk\/news\/#website\"},\"datePublished\":\"2018-11-09T15:15:20+00:00\",\"dateModified\":\"2018-11-09T15:23:36+00:00\",\"description\":\"We take a look at the different types of insurance that may be required or upheld in connection with a construction and engineering project\",\"breadcrumb\":{\"@id\":\"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/insurance-construction-engineering-projects\/48843\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/insurance-construction-engineering-projects\/48843\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/insurance-construction-engineering-projects\/48843\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.pbctoday.co.uk\/news\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance for construction and engineering projects\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.pbctoday.co.uk\/news\/#website\",\"url\":\"https:\/\/www.pbctoday.co.uk\/news\/\",\"name\":\"Planning, Building &amp; 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