From groundbreaking to handover, every phase of a project brings different people, equipment and responsibilities onto site.
Choose a phase to see what tends to matter most.
Early decisions on contracts, designs and consultants set the insurance requirements for the whole project.
Excavation, access and temporary works bring risks of damage, accidents and third-party impact.
Materials, plant and many trades on site increase exposure to fire, theft, weather and injury.
Installations, testing and valuable fittings raise the value at risk before handover.
Defect periods and performance obligations can leave liabilities after the site is closed.
Damage to works in progress, materials and plant from fire, theft, weather or accident.
Employees and sub-contractors face injury risk, and employer obligations such as WIBA may apply.
Neighbouring property and the public can be affected by site activity.
Project type, value, duration and contract terms shape the risk.
Review site hazards, plant, sub-contractors and contractual insurance requirements.
Arrange suitable cover for works, liabilities and bonds, reviewed as the project moves through its phases.
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