What's the best way to insure your construction project?

Insurance for the project CAR (contract Al risk policy we can obtaine blanket policy with good terms and items, Third Party insurance in site like subcontractors working with the equipment and plants Along with fire policy, workman compensation,

La meilleure fa?on de protéger votre projet de construction est de souscrire à une police d'assurance tous risques chantiers. Cette police offre une couverture complète en cas de dommages causés à des tiers en raison des travaux sur le chantier ou à proximité. Elle couvre également les accidents corporels subis par les employés et les ouvriers sur le chantier, ainsi que les problèmes tels que les chutes de dalles ou les dommages causés par des véhicules terrestres. En outre, cette police peut également inclure une couverture responsabilité civile décennale qui assure le batiment pendant une période de 10 ans après sa construction contre les défauts de construction qui pourraient survenir et causer des dommages matériels ou structurels.

The insurance policy should cover the maximum possible number of types of insured events, including liability for completed projects, liability of third parties, injuries, accidents, downtime. Insurance is basic and essentially mandatory, so risk coverage should be as high as possible. The choice of an insurance company should also take into account the quality of its work with clients in insurance cases. You should take into account the cost of the project and the ability of the insurance company to fulfill obligations on its own, and reinsure the project with a larger organization. Of course, the terms of your contract with the customer will outline the circle of potential insurers

O seguro de responsabilidade civil em obras de engenharia proporciona também uma sólida prote??o financeiras para riscos inerentes em pequenos e grande projetos.

La meilleure fa?on d’assurer votre projet de construction est de souscrire à un contrat d’assurance tous risques chantier. L’assurance tous risques chantier vous protège contre les dommages que vous pouvez causer à autrui sur le chantier ou près du chantier (responsabilité civile) et aussi contre les dommages que vos employés peuvent subir sur le chantier à cause dès matériaux de travail, chute de dalle, glissement, choc de véhicules terrestres etc.

The builder's insurance risks may not be mandatory, provided that the quality of your management and the financial quality of the project hosted by the customer are at a high level. You must have good processes for selecting suppliers of materials, equipment and organization of work on the site. In the case of high-risk projects with high direct costs, it makes sense to use such insurance.

Esse tipo de seguro é fundamental para qualquer projeto de constru??o e em muitos países, obrigatório por lei. Procure um corretor de seguros independente que possa simular coberturas e or?amentos em diferentes players do mercado e forne?a uma noa estrutura de atendimento em casos de sinistro.

Professional insurance is essentially mandatory as well, and your contractors, designers and builders will have it. It will cover your risks, subject to the quality of contracts with contractors. You may also have such a policy, but it should only cover your area of responsibility for the projects, provided that other types of insurance are of sufficient quality.

Acidentes em obras e projetos de engenharia representam uma grande fatia nas estatísticas de acidentes de trabalho no Brasil e em diversos países. Os seguros de prote??o aos trabalhadores, além de ser uma fundamental ferramenta de prote??o econ?mica dos projetos, também garante aos trabalhadores e seus familiares benefícios fundamentais em casos de afastamento por doen?a ou acidentes.

Workers' compensation insurance is perhaps a must in these days when order quality, management quality, and work quality are declining due to external economic pressures and low levels of human interaction. It is not worth relying on insurance payments for compulsory insurance. And with the right organization of insurance, such insurance can be a significant plus for both the organization and those who want to work for you happily ever after.

Additional types of insurance should be considered as part of your standard risk management process already at the stage of pre-contractual work with the customer. You need to compare possible scenarios, the quality and types of coverage for the available basic insurance policies and decide whether you need umbrella insurance and other profitable offers from the market, how well your employees and processes work, how often and for what amounts you have already caused damage in projects . Analysis of previously completed projects and saving information about them in the knowledge base will help you make the right decisions.

Apesar de muitos seguros citados acima n?o serem obrigatórios por lei no Brasil, é fundamental para um bom planejamento de projetos de engenharia - independente do seu tamanho - a participa??o de um corretor "consultor" de seguros, na cria??o de uma rede de prote??o financeira para o projeto e para todos os trabalhadores envolvidos.