Why contractor risks can become difficult to place

Insurers may focus on work type, project size, height and depth exposure, subcontractors, labour hire, principal requirements, hazardous locations, claims history and the nature of completed work.

Insurance commonly considered

Depending on the business, cover may include public and products liability, contract works, plant and equipment, motor fleet, professional indemnity for design exposures and other project-specific insurance.

Subcontractors and project information

Clear turnover splits, subcontractor payments, work descriptions, project values, contract types, claims history and risk controls can be important to underwriting.

Insurance and contracts

We can explain insurance implications and policy requirements, but contractual interpretation and legal advice should be obtained from appropriately qualified legal advisers.