Contractor Project Insurance on the KZN North Coast

Contract Works covers insured physical loss or damage to the works under construction. Project liability addresses insured liability for third-party injury or property damage arising from the work. We review both against the project and contract; the limits, exclusions and extensions depend on the policy arranged.

Do not assume it does. Tell us about the excavation, retaining structures and nearby properties. We review the activities, policy wording and any specialist extensions needed, including lateral support requirements, with the insurer before cover is confirmed.

Yes. Tell us when each policy expires and what has changed in your work, project values or design responsibilities. We review Contract Works and professional indemnity as separate exposures, including whether annual or project-specific cover is appropriate.

Yes. We can review the activities covered, the liability limit and relevant project requirements. We also discuss whether your existing insurance reflects your current work and upcoming builds.

Where insurance is a condition of access, appropriate cover and limits help you meet that condition. Evidence can only reflect confirmed cover. The estate or project manager makes the access decision.

It depends on your professional responsibility and contract. It is particularly relevant where you design, specify or advise. We review that exposure separately from Contract Works and public liability. See professional indemnity for builders and contractors.

The contract and project arrangements determine who is responsible. Either can enquire: select your role and tell us what you need. We review the insured parties, contractual responsibilities and existing policies to identify gaps or overlaps.

Speak to us before design or construction begins. Our available route is specialist single-project professional indemnity (SPPI), subject to insurer acceptance and the policy terms. It addresses professional liability for the project; it is not a general guarantee against all post-completion defects. If work has started, we can discuss your other project insurance needs.

Yes, with the contractor’s agreement. Ask the contractor to submit an enquiry, or introduce them to Berkley Risk with permission. Berkley Risk handles the insurance advice and placement.