cover can be taken out either for normal building or civil engineering works, which in the following are considered separately,
CAR - normal buildings, private dwellings, home units, schools, university buildings, hospitals and shopping malls, etc.
The cover provides for fortuitous (accidental) physical loss or damage to –
- The Contract Works itself (the structure being built)
- The Materials used to construct the Contract Works
- Labour costs incurred to add value to the works
- Free issue Materials (material supplied by the owner)
- Temporary Works (temporary access roads, site accommodation and water diversionary works)
CIVIL ENGINEERING - these works is classified according to the hazards involved as normal earthworks such as sewerage, underground pipelines, railways and airports, and more hazardous structures such as tunnelling, mining and bridges.