Construction contracts can impose insurance obligations that are broader than a contractor’s usual policy. The contract should be reviewed before it is signed and before work starts.

Common insurance requirements #

A contract may specify:

• Public Liability, Contract Works, Professional Indemnity, workers compensation, motor or plant insurance
• minimum limits and how long cover must remain in place
• named insureds, interested parties or principals
• cross-liability, waiver of subrogation or contractual liability provisions
• cover during defects liability or maintenance periods

Clauses dealing with indemnities, fitness for purpose, warranties, consequential loss and responsibility for subcontractors can materially affect risk. A Certificate of Currency confirms limited policy information only and does not prove that every contractual requirement is covered.

Review before committing #

Provide the relevant insurance clauses, scope of work and project details to Webber Insurance before signing where possible. We can provide a high-level insurance review and advise whether the requested cover appears consistent with the proposed insurance program.

We do not provide legal advice. If the wording requires detailed contractual interpretation, we can refer you for a contract review focused on the insurance provisions.