Excess – The sum or sums of money you are required to first pay towards all claims as indicated on the Schedule.

Schedule – The certificate issued by the insurer which forms part of your Policy and shows your Policy number, the Premium, the cover selected by you, and any special provisions, limits or endorsements.

Endorsement – A certificate or replacement Schedule issued by the insurer, noting alterations or changes to the Policy.\

Subcontractor – Any person conducting work at the Construction Site where payment in any form was agreed to, arranged or discussed prior to the work being conducted.

Voluntary worker – Any person who undertakes any activity in any way connected to the Construction Works:

On a voluntary basis; or
For which any form of reward will not be a component of their taxable income; or
Where there is no quote and/or written agreement on costs of work prior to any work being conducted.
Cross liability – where you comprise more than one party, each of you is considered as a separate legal entity and the expressions ‘you’ and ‘your’ apply to each party as if a separate Policy had been issued to each of the parties but the aggregate liability is limited to the Limit of Liability.


Most policies on the market are builder policies, and the insurer does not want to make the owner builder specific because of the cost. Therefore they include such things as blasting or explosives, maintenance, underground works etc… which you are being charged for.
Will you be storing appliances, tiles etc off site, make sure the policy covers – principal (you) supplied materials
Are subbies covered? Most policies do NOT cover subcontractors that you employ on site, that is it VITAL that you check their Public Liability insurance policy to make sure it is current, preferably keep a copy, to help you


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