Allianz Ireland

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Business Liability Insurance

Combined Construction

Policy Summary

This document outlines the main benefits and restrictions associated with an Allianz Combined Construction Policy. It does not list all of the benefits, terms, conditions, limitations, exceptions and exclusions associated with the Policy, a copy of which is available from the Company or your Insurance Intermediary on request. Some covers are optional and will only apply if you have specifically selected them – the quotation or policy schedule will have details of the sections selected.

Please take time to read the Policy and your Schedule to ensure that you understand the cover provided.

You should review and update your cover periodically to ensure it remains adequate.

Employers Liability Section

Cover for legal liability for bodily injury to an employee caused during the period of insurance in connection with your business.

Limits of Indemnity from €13m (any one claim) are available.

Principal Extensions

Cover includes the legal liability:

  • of anyone for whom you are carrying out work under contract.
  • of partners, directors or employees.
  • of members of your canteen, social, sports or welfare organisation or first aid or fire services.
  • for health and safety at work legal defence costs.
  • for temporary contracts overseas.

Principal Exclusions

Cover excludes:

  • travel to or work on an offshore installation.
  •  injury caused by a vehicle for which motor insurance is required by law.

Public Liability Section

Cover for legal liability for accidental injury or accidental damage to property (not owned by you) occurring during the period of insurance in connection with your business.

Limits of Indemnity from €2.6m to €13m (any one claim) are available.

Principal Extensions

Cover includes the legal liability:

  • of anyone for whom you are carrying out work under contract.
  • of partners, directors or employees.
  • of members of your canteen, social, sports or welfare organisation or first aid or fire services.
  • for health and safety at work legal defence costs.
  • of a joint insured - if more than one party is named as insured the policy will cover them separately subject to the limit of indemnity.
  •  for temporary contracts within the EU and work of a clerical nature outside the EU.

Principal Exclusions

Cover excludes:

  • loss of or damage to your own property or property in your custody or control - but not buildings occupied for the purpose of a contract.
  • liability arising from any vehicle or trailer where motor insurance is required by law (other than loading or unloading) or for any aircraft or watercraft (other than hand propelled craft up to 8 metres long).
  • design plan or specification or any treatment or advice given for a fee or where a fee would normally be charged.
  • injury to any employee.
  • fines, penalties, punitive, liquidated or exemplary damages.
  • removal, repair alteration or replacement of contract works or anything built or supplied by you.
  • any claim for loss or damage to property where you are obliged to arrange insurance for the loss or damage under the terms of a contract.
  • liability in respect of pollution or contamination unless due to a sudden, identifiable, unintended and unexpected incident.
  • liability arising from asbestos.
  • any loss or damage where you have not complied with the terms of the special condition for use of any burning or welding equipment.

Contractors All Risks

Cover for damage to the contract works including accidental loss or damage and theft. Cover will also be included for plant, hired plant and temporary buildings.

Contract Limits from €250,000 upwards are available.

Principal Extensions

Cover includes:

  • professional fees incurred to reinstate or repair the property up to 10% of the claim.
  • removal of debris up to 10% of the loss or €500,000 (whichever is the lower).
  • redrawing of plans and documents up to 20% or €500,000 (whichever is the lower).
  • off site storage of materials up to €50,000.
  • additional costs of meeting statutory building requirements.
  • inflation protection of up to 20% of the sum insured.
  • fire brigade charges of up to €50,000.
  • show houses or apartments up to the date of sale or letting.
  • contents of show houses or apartments up to €25,000.

Principal Exclusions

Cover excludes:

  • buildings which have been completed, handed over or in use.
  • any loss or damage where work has been suspended on the site for more than 3 months.
  • wear and tear, rust or gradual deterioration.
  • defective design.
  • penalties for delay or non completion of the work.

Please Note

These products are only available with Allianz via an authorised insurance intermediary, they are not offered on a direct basis.

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