Civil Construction Insurance

Civil Construction Insurance using an experienced Insurance Broker

Civil Construction Insurance

Civil Construction Insurance using an experienced Insurance Broker

Civil Construction Insurance: Your Guide

Civil Construction Insurance can protect you from accidents that could happen during the course of your work.

Insurance can cover such activities, but not limited to:

  • Excavating and grading sites/site preparation
  • Road and bridge construction onstruction and maintenance
  • Other infastructure
  • Working on drainage and sewage systems
  • Water treatment facilities
  • Telecommunications & Underground utilities
  • Work at airports and on railways
  • Erecting buildings
  • Operating heavy equipment such as bulldozers and cranes

You can also obtain cover to protect you in such industries as government, mining, and public works.

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What Insurances Do I Need as a Civil Contractor?

Plant & Equipment
Contract Works
Public Liability
Workers Compensation

What Does Public Liability Insurance Cover for Businesses in Civil Construction?

Public Liability Insurance safeguards civil construction workers against claims of both alleged and actual negligence that result in third-party injuries. Additionally, it can provide coverage for contractual liability, ensuring protection even in the absence of negligence on your part. This type of clause is frequently included in construction industry contracts.

Third Party Property Damage

Public Liability Insurance offers essential protection for civil construction workers, covering a wide range of scenarios, including claims of negligence that result in injury to third parties or damage to property. This insurance is particularly vital in the construction industry, where the nature of the work often involves the use of heavy machinery and complex operations that can increase the risk of accidents and damage.

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Contractual Liability

In the construction industry, it is common for contracts, especially those with tier 1 builders, to include clauses that place substantial liability on subcontractors, even in cases where they are not directly at fault.

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Third Party Personal Injury

Injury claims in the construction industry can be extremely costly, often involving substantial compensation payouts and significant legal fees. Public Liability Insurance is crucial for protecting civil construction workers and companies from the financial burdens associated with these claims. This insurance covers the costs of legal defense as well as any compensation that may be awarded to the injured party, thereby ensuring that construction businesses can continue operating without facing crippling financial consequences.

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Is Insurance Mandatory in Civil Construction?

When initiating a civil construction project, it is important to determine what types of insurance are necessary. These types of insurance typically include various policies designed to protect the safety of workers, individuals nearby the construction site, and the actual property. Workers’ compensation insurance is a crucial requirement because it provides coverage in the event of an employee’s injury or illness during the construction project. Public Liability insurance is also a must-have as it covers damages or injuries caused to third parties due to negligence of the construction company or its workers. In addition, plant and equipment insurances are necessary to protect the construction materials and equipment from damage or loss.

It is vital to review and identify the specific risks associated with the construction project to determine the right types and amount of insurance necessary to cover potential mishaps.

Workers Compensation Insurance

Workers’ Compensation Insurance is a mandatory requirement for any business employing staff or hiring subcontractors. This coverage, which varies by state and territory, is essential to protect workers from medical expenses and provide compensation in the event of work-related injuries or illnesses.

Public Liablity Insurance

Public Liability Insurance is an essential requirement for civil projects, necessary for gaining access to work sites. This insurance provides protection against claims arising from injuries to third parties and damage to third-party property, which are common risks in the civil contracting industry. Due to the high level of exposure in civil projects, securing this coverage is extremely important.

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How Morgan Insurance Brokers can help

Morgan Insurance Brokers are experts in the construction industry, including Civil Works.

Finding insurance that you know will protect your business from the risks faced in your field can be difficult if you don’t know where to search. Most standard Public Liability Insurers only like insuring for white collar, or low risk blue collar works and tend to shy away from heavy construction works.

Fortunately, Morgan Insurance Brokers has access to a large panel of providers that will be able to provide you cover without breaking the bank.

Contact us today.

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