Keep your Sites, Works and Plant covered this Christmas
It’s been another tough year and you’ve been working hard to catch up on delays caused by lockdown and restrictions. You deserve to relax during the upcoming holiday season.
While insurance is there to protect your business, keep in mind that you are responsible for taking certain steps to adhere to your policy’s stipulations.
When it comes to protection of the works, the contractor or employer must take all reasonable precautions to protect the sections of work and the surrounding property being worked on where the roof is exposed during the execution of the project. One of the easiest ways to do so is using heavy duty tarpaulins to cover exposed roof areas.
Will closing for the builders’ holiday lead to any unoccupied sites? Your policy may exclude work in progress that has not been completed to a state where it can be left unsupervised. Unfortunately, theft remains a real problem in South Africa and is often accompanied by malicious damage to goods and/or immovable property. Please make sure that you understand what your policy expects from you for a claim to be processed in case of theft from a site. Theft cover is often subject to proven forcible or violent entry to or from the premises, and the insured taking reasonable precautions to prevent the theft or vandalism. These steps may include, but are not limited to, the provision of qualified security personnel on site, regular patrols and only delivering materials to a site that will be used during that day’s work. These and other conditions may also apply to theft cover for loss or damage to property stored off-site, so be sure to check the relevant sections of your policy.
These are all very easy ways in which you can make sure that you can enjoy a stress-free holiday. Take the necessary steps now to make sure that you can relax from 16 December. We trust that you will have a restive festive season and hope that you get to spend quality time with those nearest to you.
Contractors’ All Risk is a powerful policy that provides comprehensive cover for all projects that your company undertakes. It is, however, also important to protect your valuable equipment and machinery with Plant All Risk insurance. The three easy ways to cover your plant are explained in this blog.
Contact us for more information, to help you prepare for the festive season break, or to get a quick quote on Contractors’ or Plant All Risk.