Construction insurance

Construction insurance

Why do we need this insurance?

 

Every construction project, no matter how simple, carries significant risks.

It covers damage to work, equipment, machinery, and other assets related to the construction site.

It protects not just the construction itself but also covers potential damage caused to third parties during construction.

 

What risks does it cover?

 

Construction insurance is an “all risks” policy that covers material damage caused by accidents during the construction phase resulting in the need for repairs or replacement.

Additional coverage can include:

  • Project errors.
  • Seismic activity.
  • Strikes, riots, and civil unrest.
  • Cross-liability.
  • Underground cables and ducts.

 

Tips for purchasing this insurance

 

Ensure a detailed description of the work to be done.

The coverage period is critical: specify the start date, project duration, maintenance period, and testing phase.

Choose supplementary coverages based on the type, value, and length of the construction project.

Provide all relevant project documentation (e.g., contract specifications, description, blueprints, location maps, geological studies, etc.) to the insurer for proper risk assessment.

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