Civil Construction Insurance

Civil Construction Insurance using an experienced Insurance Broker

Civil Construction Insurance

Civil Construction Insurance using an experienced Insurance Broker

Tools Insurance for Tradies

Why it matters

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 Does Public Liability Insurance Cover?

Public Liability Insurance will protect Civil Construction Workers from the alleged, and actual negligence that results in injury to a third party. It can also include cover for contractual liability, where even if you are not negligent, you are still liable for the costs. This is very common in the construction industry for contents to have this clause written in.

Third Party Property Damage

If you cause damage to property on site, for an example whilst using a piece of machinery, public liability insurance can pay for these damages.

Contractual Liability

Some Public Liability Insurance policies can protect you from Contractual Liability claims. You should always have your contracts reviewed before signing to ensure that you have an insurance policy to match the conditions of your contract.

Third Party Personal Injury

Injury claims in the construction industry are costly. So are the legal fees. Public Liability Insurance protects you by paying for these fees, along with the compensation claim made against you.

Public Liability Insurance for Sole Traders

Is Insurance Mandatory in Civil Construction?

Workers Compensation for any business that employs staff is mandatory.

Public Liability Insurance isn’t a legislative requirement, however, you will find that before you tender for jobs, and before you are allowed onsite, your Public Liability Insurance policy will need to be cited.

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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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Frequently Asked Questions

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.