Design and Construction Insurance

Design Liability Insurance through Jensten Insurance Brokers is a flexible policy that’s tailored to your needs. At its core, it covers things like negligence and breach of duty, and a typical policy will cover you against:

• Breach of professional duty
• Negligence, error, or act of omission
• Dishonesty by employees
• Loss of or damage to documents
• Libel or slander
• Defence costs – no excess applicable
• Costs and expenses are taken to mitigate losses
• Compensation for court attendance
• Aggregate limit of indemnity
• Rectification cover – costs incurred in remediation work or mitigating a loss or potential loss that may otherwise result in a claim
• Consultants Cover – claims resulting from any wrongful act committed by one of your consultants, designers, or subcontractors
• Asbestos cover
• Fitness for purpose cover – over claims arising out of any fitness for purpose warranty with respect to the design and/or specification of any works
• Consequential losses – covers indirect losses which accompany an insured loss, for example, loss of earnings to a third party following a claims
• Health and safety legislation cover – should proceedings be brought against you under Health & Safety legislation
• Pollution cover – claims arising out of the actual, alleged or threatened, sudden or accidental presence, discharge, dispersal, release, migration or escape of pollutants other than asbestos, nuclear or radioactive material of any sort
• Innocent non-disclosure – insurers will not exercise rights to avoid the insurance cover for innocent non-disclosure or innocent misrepresentation
• Infringement of copyright or intellectual property rights
• Breach of confidentiality