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Contractors Liability Insurance – Advanced

Level:Advanced Duration:1 Day CII CPD Hours:6

This participative workshop covers the liability aspects of JCT contract conditions as well as covering general liability, with a focus on the contracting trades.

Whilst no previous construction insurance experience is required a good grounding in the basics of commercial property and liability insurance should still be regarded as a pre-requisite.

  • After attending this workshop, delegates will be able to:
    • Demonstrate an understanding of the subject matter of contractors insurance
    • Describe the various ways insurers provide the cover
    • Explain the content of the insurance clauses within the JCT contract conditions
    • Outline the difference between contractual obligations and insurance requirements
    • Explain why non-negligence liability cover may be required and how insurers meet this need
    • Describe the standard structure and content of contractors liability insurance policies, including standard extensions and exclusions
    • Describe the underwriting process and the information insurers require to assess and price risks
  • Workshop content includes:
    • The legal environment for contractors – common law/tort, statutory, contract
    • Health and Safety legislation including the Construction
    • Design and Management Regulations 2015
    • Insurance content (works and liability) of common contract forms including JCT 2011
    • Non-negligence cover – what is required and why – insurance solutions
    • Liability policy wordings for contractors – EL, PL, basic cover, exclusions, common extensions
    • Brief look at some related covers, e.g. financial loss, professional indemnity, directors and officers, environmental impairment
    • Placing and rating risks – key insurer requirements, good and bad risks, selling cases to underwriters, pricing methods
    • Claims trends – accident reporting (RIDDOR), developments, issues
    • Quiz

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