Construction claims can involve property damage, personal injury, plant, vehicles, theft or allegations about design and professional services. More than one policy may respond to the same incident, depending on the facts and policy terms.

Common examples #

• Damage to neighbouring property, underground services or existing structures
• Water damage during construction
• Theft of materials, tools or plant
• Storm, fire or accidental damage to contract works
• Injury to a member of the public or another contractor
• Motor vehicle or mobile plant incidents
• Design errors, incorrect advice or inadequate specifications

Relevant cover may include Public Liability, Contract Works, Plant and Equipment, Commercial Motor, Professional Indemnity or Business Insurance. Coverage depends on the cause, timing, insured activities, exclusions and other policy conditions.

What to do after an incident #

Make the site safe, arrange reasonable emergency action to prevent further loss and keep evidence such as photographs, contracts, witness details, invoices and incident reports. Notify Webber Insurance promptly, even if no formal demand has been received.

Do not admit liability, promise payment or agree to settle a third-party claim without approval from the relevant insurer.