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Contractors Liability Insurance – Intermediate

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

This participative workshop covers the liability aspects of JCT contract conditions as well as 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 is essential.

  • After attending this workshop, delegates will be able to:
    • Demonstrate an understanding of the subject matter of contractors insurance and the various ways insurers provide the cover
    • Demonstrate an understanding of the content of the insurance clauses within the JCT contract relating to
      liability risks and an understanding of the difference between contractual obligations and insurance
      requirements
    • Show an awareness of 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 & Safety legislation including the Construction Design and Management Regulations 2015
    • Insurance content (works and liability) of common contract forms – JCT Standard,Intermediate, Minor Works and Sub-Contract forms
    • Non-negligence cover – what is required and why – insurance solutions
    • Usual 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

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