Joint Contracts Tribunal
Most commercial building works are carried out under a standard form of contract, these consist of JCT, ICE, CPA. These contracts set out the obligations and rights of each party involved with regards to the risk and insurance.
Clause 21.2.1 is an optional clause, requested by the Architect or Employer under the Appendix of the JCT Contract and requires the Contractor to arrange appropriate insurance cover for a specified limit of indemnity. However, the intention of a 21.2.1 policy is to cover the Employer rather than the Contractor.
Cover is normally arranged by the Contractor's Public Liability insurer rather than in isolation and covers injury or damage to any property, caused by, subsidence, heave, vibration, collapse, weakening or removal of support or lowering of ground water and arising from the carrying out of the works.
Even when the Contractor have not been negligent, things do go wrong, which can result in a large liability claim against you (employer) for which they do not receive protection under the contractor’s own insurance.
Cover can include but not limited to:
- Damage to the works and materials
- Existing structures
- Damage to surrounding property
- Public Liability
- Employers Liability
- Design and Construct Professional Indemnity
- Latent/Inherent Defects
- Contract All Risks – Tools, own plant, hired in plant
- Site huts and temporary buildings
- Environmental Impairment Liability
- Terrorism
We can provide comprehensive advice and support using a select panel of specialist insurers, for all your construction needs.
Cover can be arranged on either an annual policy based on turnover and maximum value for any one contract or as a single policy providing cover for just one particular contract.
To receive a quotation or discuss your enquiry, please complete our Quotation Request Form or call us on 01379 643444 for one of our advisers to discuss your enquiry.
