Construction

A practical map from operating exposure to policy, wording, claim, and risk-control decisions.

Key risks

Project damage and collapse
Defective design or workmanship
Third-party injury or property damage
Testing and delayed completion

Recommended policies

CAR / EAR
Third-Party Liability
Professional Indemnity
Plant & Equipment
DSU / ALOP

Critical extensions

Existing property
Cross liability
Principal's indemnity
Maintenance period
Off-site storage and transit

Common gaps

Wrong defects clause
Project period ends too early
Uninsured parties or values
DSU trigger does not match critical path

Typical claims

Collapse during works
Testing failure
Damage to existing structures
Delay following insured damage

Risk-management advice

Align policy with the construction contract
Track values and schedule changes
Preserve design and quality records
Extend cover before expiry

This is a general industry map, not a recommendation for a particular business. Requirements may depend on contracts, activities, locations, values, law, risk appetite, and complete policy wording.