Infrastructure Contractors

More and more, services are outsourced to specialist providers of contract services. A broad range of services such as facilities management, vegetation management, waste management and engineering works to name a few, are operated by specialist contract services companies, who are experts in their field.

Typically, contract services are structured upon various contracts that underpin the delivery of the service. Contract terms can be onerous, and include terms that:

• include indemnity provisions that extend your ordinary obligations
  
  
• remove or severely limit your rights of recovery
  
  
• include warranties and representations that extend your ordinary obligations
  
  
• include insurance provisions which can leave you exposed to breach of contract
  
  
• make you more responsible for the actions of your sub-contractors than your ordinary obligations

Whilst there is a commercial reality to these contracts, some terms do pose serious risk. This is compounded by insurance that typically struggles to incorporate some even less onerous contract terms.

A unique approach.

We offer contractor services a unique approach to insurance broking and risk management.

Working with our legal services company, indemnitylegal, we deliver bundled insurance broking and legal risk management services. Not only do we ensure your insurable risks are identified, and cost effectively insured, but indemnitylegal can also work with you, managing your contractual risk, and providing claims management.

Claims Management

Some contract services undertake work with significant risk of injury or damage. Mining, railways, electrical, vegetation contractors to name a few, work in environment and worksites where the downside is considerable.

Some of these risks, due to their severity, or indeed frequency, are more effectively insured with higher levels of excess, or self insured retention. However, this does raise the issue of how claims that fall below the excess/with the self insured retention are managed.

Poor management can lead to the claim becoming litigated and increasing the size of the claim. And some insurers require the use of high end service providers with cost structures that quickly erode the excess level.

indemnitylegal provide accessible claims management services for professional indemnity and public liability claims, on behalf of insureds, insurers and brokers of clients:

• with high claims frequency;
• with low to moderate claims frequency and high deductible;
• who operate in an industry which traditionally requires the insured to insure other parties;
• with high deductibles or self-insured retention (SIR) before the insurer comes on risk;
• who operate in an industry which does not frequently receive claims or notifications of circumstances which may give rise to claims;
• who operate in high risk areas and carry a larger deductible or SIR.

Contract Products & Services

• Combined Professional Indemnity & Public & Products Liability - Annual or Project
• Motor Fleet
• Plant & Equipment
• Contract Works - Annual or Project
• Directors & Officers Liability - including Public Companies
• Statutory Liability
• Employment Practices
• claims management
• contractual risk management
• OHS Management
• Workers Compensation