All Risks Insurance Claims

Our insurance lawyers advise on all issues arising from All Risks policies including wording and coverage

For a large number of construction projects there will be in place a project insurance, which under one policy, covers many of the interests of a number of project participants. This goes by several names including Project Insurance, Contractors All Risks Insurance, Erection All Risks Insurance, (C.A.R and E.A.R.)

A typical insuring clause may be something along the following lines:

"The insurer will, subject to the terms contained hereon, indemnify the Insured in respect of loss or damage to the Insured Property whilst at the Insured location in connection with the Business of the Principle Insured occurring during the Period of Insurance arising from any cause whatsoever except as hereafter provided."

Despite the title, it does not cover ALL RISKS but those as defined and subject to a number of exclusions.

Our team is able to provide specialist advice in respect of "loss of or damage to", the meaning of "damage", the need for "fortuity", design and workmanship exclusions (DE or LEG series), defects in design and defectively designed.

For references to fortuity see C A Blackwell(Contracts) Ltd v Gerling General Insurance Co [2007] EWCA Civ 1450.

If you would like more information on how Fisher Scoggins Waters could make a difference to your Construction Insurance issue, please contact us by telephone 0207 993 6917, email Charlotte Waters or by using the enquiry form below.

• Charlotte Waters
• Email Charlotte Waters
• 0207 993 6917
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• Alan Fisher
• Email Alan Fisher
• 0207 489 2035