CONSTRUCTION • CIVIL • MINING
Liability insurance for work that is hard to place
When you work underground, beside existing structures, with heavy plant or at a mine site, your liability policy needs to reflect the actual risk. We help Australian contractors seek terms for complex public and products liability exposures.
Mercantile Insurance Brokers works with construction, civil and industrial contractors whose occupations, contracts, claims histories or project environments make liability insurance more involved. We also arrange D&C professional indemnity, contract works and plant cover when the project calls for a wider program.
What makes a contractor difficult to place?
Complex operations
Drilling, demolition, tunnelling, shoring, cranes, asbestos, blasting and mining services need specific descriptions and risk controls.
Demanding contracts
Principal and subcontractor arrangements, indemnities and additional insured requirements should be compared with the actual wording.
Claims or changes
Previous claims, new work, a non-renewal or a higher required limit call for a complete presentation to insurers.
Explore insurance by occupation
Drilling · Excavation · Demolition · Shoring & underpinning · Tunnelling · Mining · Cranes & rigging · Asbestos removal · Road & rail · Blasting · Piling · Industrial maintenance
See all high risk occupations →
Cover that fits together
Public and products liability focuses on defined third-party injury and damage exposures. D&C professional indemnity addresses defined design and professional services. Contract works concerns the insured physical works, while plant insurance can address machinery and hire. Each is subject to its own wording, limits and exclusions.
How we approach a difficult risk
1. Understand the work. Activities, project sites, subcontractors, licences, methods and contracts. 2. Review existing cover. Schedule, wording, limits, exclusions and claims. 3. Present the risk. A specific submission to available markets. 4. Explain the terms. We identify important conditions and contract mismatches before a decision.
What should you prepare?
An activity and turnover split, project values, states and sites, a sample contract, required limits, risk controls, claims history and the current policy. We can identify missing detail in an initial discussion.
Discuss your insurance needs
Call 1300 310 467 or send an enquiry. Cover depends on the insurer’s terms and your declared activities.
Request a review
Tell us about your operation and upcoming renewal. We will respond to discuss the information needed for a market approach.