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Construction Site Handbook

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[English | 简体] Site Insurance

Insurance is quite a specialized issue and is a must in construction industry . It has to be handled by the Head Office , not by site staff . The extent of insurance cover desirable and obtainable depends on each case stipulated in the conditions of contract together with any particular risks likely to be involved . Nevertheless the site staff must aware and ensure that the respective insurance cover is in effect before the work starts . Do remember to post a true copy of the Employee’s Compensation Certificate in the site office for general notice .

The insurance generally required for a project are as follows : -
a) Contractor’s All Risks ( CAR ) ;
b) Employee’s Compensation Scheme ( EC ) ;
c) Off-site Plant Insurance ; and
d) Special Labour Insurance , eg. Diver .

[ Construction DB Tips : It is a common practice that for every kind of insurance cover , there shall be an excess as the basic deduction of insurance claim . Whether to call for insurance claim all depends on the amount of damages and its consequence . Beware that surcharge or loading will be levied in the future projects if there are previous claim records . By the way , the site supervisor should keep an eye on any illegal workers working on site for the sub- or sub-sub-contractors . ]

Site Insurance Sub-Pages