Higher-risk activities can affect which insurers will consider a Mining and Resources Contractor, the premium, excesses, conditions and exclusions that apply, and the information required before cover is offered.

Examples of higher-risk work #

• underground or confined-space work
• work at heights
• hot work, welding or cutting
• operation of heavy mobile plant
• work involving hazardous materials or explosives
• mechanical, electrical or process plant work
• activities within refineries, smelters or other heavy industrial facilities

The relevance of each activity depends on the actual work, site controls and potential severity of a loss. An activity should not be omitted simply because it represents a small percentage of annual turnover.

Information insurers may need #

Provide the percentage of turnover, locations, project values, client types, experience, licences, incident history, subcontractor use and safety controls for higher-risk work. Insurers may also request risk assessments, procedures or contract information.

Tell Webber Insurance before starting a materially different activity or entering a new type of site. Existing cover should not be assumed to extend automatically to new work.