Construction & Engineering Insurance Mozambique

What’s typically covered on Mozambique projects?

We structure multi-line programmes. Exact response depends on wording and facts.

Illustrative; wording governs.

How should the policy align with contract form and JV structure?

Map design responsibility, LDs, change control and termination to policy conditions. For JVs/consortia, confirm joint and several obligations, insured parties and waiver/subrogation language so claims don’t stall. If design exposure is material, consider a project-specific tie-in to professional indemnity insurance.

Which lender covenants commonly clash with policies?

Notice periods, DSU triggers, named insureds, step-in rights and co-insurance often misalign. We coordinate lender wording, critical-path evidence and insured parties before bind to avoid non-affirmation at claim time—especially on LNG, mining and corridor projects moving critical cargo via Ressano Garcia/Komatipoort.

Which covers match each Mozambique project stage?

Select instruments per milestone to keep cash and progress flowing.

• Tender/Award: CAR/EAR placement; bond & guarantee insurance (Performance/Advance Payment guarantees) (if required).
• Mobilisation: Plant + liability; project cargo for critical items.
• Works/T&C: CAR/EAR + SPPI; sectional handover rules.
• PC → DLP: Liability continues; defects period logged; DSU ends at PC per wording.

What information speeds a same-day indication?

• Role (principal/contractor/designer/JV) and contract form (JBCC/FIDIC/NEC).
• Project location(s): Maputo/Matola, Tete/Moatize, Beira, Nacala, Pemba/Palma.
• Sum insureds, sections, critical path and T&C plan.
• DSU requirement (Y/N) and debt milestones.
• Plant values/schedule; third-party interfaces.
• Prior losses and current placements.

We’ll revert with non-binding terms, subject to underwriting and policy wording. You can also Contact Berkley Risk to fast-track.

FAQs

Does DSU/ALOP cover liquidated damages?
Only where an insured delay is proven per wording; LDs themselves aren’t the trigger. Programme and evidence are key.

Can we run a Single Project PI alongside annual PI?
Yes—where design risk and lender demands warrant it; check retro dates and sub-consultant terms.

Is political violence/strike cover part of CAR/EAR?
Often separate or endorsed; territory and wording matter. We’ll structure appropriately.

Will project cargo delays link to DSU?
Sometimes—only for critical items and where wordings connect transit/storage and delay triggers.

Do insurer policies accept JV/consortium arrangements?
Yes—ensure insured parties, joint/several liability and waiver/subrogation are consistent across contract and policy.