Insurance and risk advice for construction and development.
Construction risk starts long before work begins on site.
Construction and development businesses operate in an environment where contracts, project values, people, equipment and third-party responsibilities are constantly changing.
A single project can involve multiple parties, overlapping insurance requirements and significant financial exposure if something goes wrong. Omnisure takes the time to understand how each project is structured, who carries the risk and how the insurance programme needs to respond.
This helps ensure your cover works alongside your contractual obligations rather than becoming another issue to resolve when a claim occurs.
Construction risk extends across every stage of a project.
01.
Contractual obligations
Construction contracts often include specific insurance, indemnity and liability requirements. Understanding these obligations before work begins can help prevent gaps between the contract and the cover in place.
02.
Contract works and property damage
Projects can be exposed to accidental damage, theft, weather events and damage to existing structures while work is underway.
03.
Public and third-party liability
Construction sites bring workers, subcontractors, clients and the public into close proximity, creating significant liability exposures throughout the project.
04.
Plant, machinery and equipment
New builds and refurbishments bring contract works, professional liability, defects and delay exposures.
05.
Delay and financial loss
Damage during construction can delay completion, interrupt revenue and create additional costs well beyond the physical repair itself.
06.
People and workplace risk
Construction remains a people-intensive industry, with workplace injuries, subcontractor management and workers’ compensation requiring ongoing attention.
Cover designed around the project, the business and the contract.
Contract Works Insurance
Cover for accidental physical loss or damage to construction works while a project is underway, including materials and works in progress.
Public and Products Liability
Protection against claims for third-party injury or property damage arising from construction activities and business operations.
Plant and Equipment Insurance
Cover for owned or hired machinery, tools and equipment used across construction sites and projects.
Professional Indemnity
Protection for businesses providing design, engineering, consulting, project management or other professional services.
Management Liability
Cover for directors, officers and the business against a range of management-related claims, investigations and employment matters.
Workers’ Compensation
Support for workplace injury risk, claims management and the obligations associated with employing people in a high-risk environment.
Commercial Motor and Fleet
Cover for vehicles used across construction, development and operational activities.
Advanced Loss of Profits and Delay in Start-Up
Cover designed to respond to financial losses where insured damage delays completion of a development or prevents an asset from becoming operational as planned.
Advice that considers the full construction and development lifecycle.
01.
Planning and pre-construction
Reviewing project structure, contracts and insurance requirements before work begins.
02.
Design and professional services
Identifying exposures created by design, engineering, consulting and other professional responsibilities.
03.
Construction
Protecting the works, materials, equipment, people and third-party exposures while the project is underway.
04.
Completion and handover
Making sure changes in ownership, responsibility and insurance are understood as the project moves toward completion.
05.
Defects and ongoing liability
Considering exposures that can continue after practical completion, including defects, liability and professional obligations.
06.
Operational assets
Helping transition completed developments into appropriate property, liability and ongoing operational insurance programmes.
Specialist advice without losing the personal relationship.
We understand the contracts
We look beyond the insurance schedule to understand the contractual obligations that can influence how your cover needs to respond.
Advice shaped around the project
A residential development, commercial build and specialist infrastructure project do not carry the same risks. We consider the specifics rather than applying a standard solution.
Proactive programme reviews
Projects, values and operations change throughout the year. We help clients review their insurance as the business evolves rather than waiting until renewal.
Claims support when it matters
When something goes wrong, our team stays involved to help coordinate information, communicate with insurers and keep the claim moving.
Talk to our construction and development specialists.
Tristen van Rhoon
Guidance and commentary from the team
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Specialist Disability Accommodation (SDA): An evolving market
Let’s talk about your construction and development risks.
