MERCANTILE / BUILD
Liability insurance for the work other markets avoid.
Drilling, demolition, excavation, mining and complex civil works demand more than a generic contractor description. We help businesses seek public and products liability terms built around their actual operations.
THE BRIEF
Some contractors are difficult to place because of the task, the site, contract requirements or claims history. A specific account of the work and controls gives insurers a better basis to assess the risk.
01 / SPECIALIST TRADES
High risk work deserves a precise submission.
Explore the exposures and underwriting details for individual occupations.
Drilling & boring
Ground conditions, existing services and third-party property.
Explore trade
02Excavation
Plant movements, underground services and adjacent structures.
Explore trade
03Demolition
Methodology, vibration, debris and neighbouring property.
Explore trade
04Mining contractors
Principal requirements, site operations and subcontracting.
Explore trade
05Shoring & underpinning
Temporary works, structural stability and consequential damage.
Explore trade
06Asbestos removal
Licensing, containment, disposal and pollution exclusions.
Explore trade
02 / CORE COVER
Public and products liability comes first.
We review the declared activities, subcontractors, limits, principal requirements and exclusions. Design and construct PI, contract works and plant cover can then sit alongside the liability program where relevant.
03 / OUR APPROACH
Present the job the way it is actually done.
- Define the work
Activities, turnover split, project values, sites and subcontractors.
- Test the contracts
Principal indemnities, insurance obligations, required limits and exclusions.
- Approach the market
Present controls and claims history; explain the terms and gaps.
04 / START A CONVERSATION
Bring us the difficult risk.
Tell us the trade, the work you undertake, where you operate and when cover is needed. We will identify the documents needed for a market approach.