Other insurance for construction lawyers

Building works

Insurance issues that can arise where construction works, such as refurbishment and fit-out works, are carried out to an existing building. Policy coverage and rights of subrogation under the policy may be affected depending on who the policyholder is.

See Practice Note: Works to existing buildings—insurance issues.

The other issue to consider when working in an existing building is the overlap between the contractor's all risks policy and the contractor's public liability policy. The JCT Option C states that the insurance only covers damage to the existing buildings caused by specified perils. Any other damage must be covered by the contractor’s public liability policy.

See Practice Note: Construction insurance—overlap between the works and existing buildings.

Contractual provisions

Under the JCT contracts, the contractor is liable for and indemnifies the employer against any loss or expense incurred in respect of personal

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