Construction

A schedule in this class that does not show one of these raises the finding "usually held in construction, not on this schedule". Absence is a question, not a fault: the cover may sit inside another policy or have been declined on purpose.

• Contract works
  Physical damage to the works under construction, materials on site and in transit, temporary works and existing structures, for the contract period and defects period the policy states.
• Public liability
  Your legal liability to third parties for injury or property damage arising from your premises and operations, and in the AU and UK combined form for the products you sell.
• Contractors plant and equipment
  Loss of or damage to owned and hired-in mobile plant (excavators, forklifts, cranes, generators) on site, in transit and in storage.
• Workers compensation (statutory)
  Medical costs, weekly payments and lump sums for employees injured at work or made ill by it, under the scheme of the state or country where they are employed.
• Commercial motor
  Damage to the vehicles you own and operate, and your liability for damage to other people's property caused by them; bodily injury sits under the compulsory third party scheme in AU and under the motor policy in the UK and US.
• Professional indemnity
  Your legal liability for financial loss suffered by a client because of an error, omission or negligent act in the professional service or advice you provided.
• Directors and officers
  Defence costs and damages when directors, officers and (under management liability) the company itself are pursued for a wrongful act in managing the business: regulators, shareholders, creditors, employees.

Raises the finding "often needed in construction and often lacking, not on this schedule". Worth a written answer either way, so a retained exposure is a recorded decision.

• Environmental and pollution liability
  Clean-up costs, third-party injury and damage, and defence costs arising from pollution conditions at, from or caused by your sites and operations, including the gradual pollution most liability policies exclude.
• Surety bonds
  An undertaking to a principal that you will perform a contract, issued by a surety in place of a bank undertaking so your borrowing capacity stays free.
• Cyber
  Your own costs after a security incident (forensics, notification, restoration, business interruption from a network outage, extortion) and your liability to others for the data and systems you failed to protect.
• Employment practices liability
  Defence costs and damages for claims by employees and applicants: unfair or wrongful dismissal, discrimination, harassment, bullying, breach of employment contract.
• Property
  Physical loss of or damage to your buildings, plant, stock and contents from fire, storm, water, impact, theft and the other insured perils, up to the sum insured.
• Personal accident
  Lump sums and weekly benefits for staff, directors, volunteers or contractors injured or ill, where workers compensation does not respond (outside work hours, on the journey, volunteers).
• Statutory liability (fines and penalties)
  Defence costs and, where the law allows them to be insured, fines and penalties for unintentional breaches of statute: workplace safety, environmental, consumer and corporations law.

Check your schedule against this class

Paste the schedule with a first line industry: construction, or pick the class from the list, and the register names the lines from these two tables that the schedule does not show, beside the arithmetic on every line it does. Six lines free, no account.