MENU

Can Your Insurers Cope With The Heat?

If you use heat in your work, do you understand what your insurance requires you to do?

If you don’t and you breach the conditions, then you effectively have no cover.

The idea seems reasonable, but what are the conditions you need to comply with, and are they reasonable in the first place?

  • Do they require you to connect to a hydrant? How could you do that without advanced permission from the authorities to use the hydrant?
  • Do they require you to have a set number and size of extinguishers, within a set distance from the work?
  • Do they need to have the property owner/occupier (or their representative) present throughout the application of heat?
  • After completing the heat work, do you have to check the area at intervals? 30 minutes, 60 minutes, 90 minutes or all three. Do they have to keep a written record of those checks?

Most critically, does the warranty apply to your direct employees, or anyone (including sub-contractors) working on your behalf?

Most critically, does the warranty apply to your direct employees, or anyone (including sub-contractors) working on your behalf?

  • If the conditions apply to anyone working on your behalf, can and do your sub-contractors comply with your heat conditions
  • If they do comply with your policy heat conditions, is the sub-contractor also complying with their own policy conditions?
  • If not, then there was no point checking that the sub-contractors have insurance – it won’t respond to a claim against them anyway – leaving you financially exposed.

The solutions are relatively simple, but the first thing you need is a broker who has thought about the problem.

To discuss solutions or any other Construction insurance issues please contact Mike Mitchell by email, mike.mitchell@tldallas.com or call 07496 888411.