contractors all risks (car)

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1 Engineering Risks

2 contractors all risks (car) Our CAR/EAR insurance covers all types of building and civil engineering construction From the inception of the works, construction sites face an array of perils that could cost the contractor and all those involved both time and money if they do not have the best resources in place. It is therefore important that clients obtain the correct cover for their specific projects in order to ensure that they do not suffer any unnecessary loss following an incident. Consort s CAR insurance covers all types of building and civil engineering construction including, amongst others, residential housing (both individual homes and large estates), commercial development (such as office blocks, warehouses and shopping centers) and civil infrastructure (such as roads, dams, water reticulation and pipelines), indemnifying the insured against the hazards that may threaten these works whilst under construction. The EAR insurance provides cover in respect of transit and erection followed by commissioning of all types of machinery/equipment.

3 erection all risks (ear) car & ear cover provided All Risks Policies provide cover for the following: Fire Explosion Flood, Rain, Storm, Water Windstorm Subsidence, Landslip Accidental Damage Theft

4 public liability (pl) insurance Consort offers the relevant Public Liability insurance cover attaching to both CAR and PAR insurance A large part of any contractor s risk is to those around him and the threat of loss of or damage to property and life of a third party in the continuation of projects. To this end the product offers relevant Public Liability insurance cover attaching to both CAR and PAR insurance as and when required by clients in order to ensure they have the best protection possible.

5 plant all risks (par) Cover can be extended to include Hired-in Plant, Continuing Hire Charges and Public Liability when used as a tool of trade. An essential part to any project is the equipment being used to ensure that project s success. Like the site itself, the Plant being used in the process faces a myriad of perils that threaten its ongoing use. PAR insurance covers the insured on an All Risks basis for the loss of or damage to the insured Plant and/or Equipment whilst it is in use on site, in transit or being stored. Cover can be extended to include Hired-in Plant, Continuing Hire Charges and Public Liability when used as a tool of trade. PAR Cover Provided Plant Owner Plant Hirer Hiring Out of Plant Cover intended for the loss of or damage to plant being used in the construction industry such as: Tower cranes Mobile cranes Excavators Bulldozers Dumpers, etc.

6 electronic equipment (ee) The EE policy offers cover to businesses using Electronic Equipment ranging from medical equipment to PABX systems, computer servers, electronic measuring equipment or even the entire Information Technology (IT) infrastructure. Essential to the operation of all businesses today is the Electronic Equipment being used on a day to day basis. Over the years Consort has established itself as a specialist in covering Electronic Equipment, allowing businesses to operate with a peace of mind knowing that they have the correct cover in place. Our EE offers cover to businesses using electronic equipment ranging from medical equipment to PABX systems, computer servers, electronic measuring equipment or even the entire Information Technology (IT) infrastructure.

7 machinery breakdown (mb) Machinery Breakdown insurance caters for sudden and unforeseen electrical or mechanical breakdown. Indemnity operates on completion of successful commissioning of the machinery at the premises. It is a requirement of this insurance that the machinery is kept in a sound working order as the indemnity does not cater for maintenance costs incurred.

8 business interruption (bi) deterioration of stock (dos) Consort provides cover for the Loss of Gross Profit, Loss of Revenue and/or Increased Cost in Working. Following Machinery Breakdown, many companies are open to what could be their largest threat-the loss of revenue due to ceased production. This could ultimately end in disaster should they not have the correct protection in place. The BI/ Loss of Profits insurance provides cover for the Loss of Gross Profit, Loss of Revenue and / or Increased Cost in Working arising out of an indemnifiable loss or damage sustained to Machinery as insured under the Machinery Breakdown Policy. Cover should not pertain to all Plant and Machinery but only to key items considered to be essential to the continuation of the business operations Indemnity follows a loss under the MB Policy already in force. As important to a business as their processes, is their ability to deliver quality stock. Should a business face the threat of their stock or produce being destroyed due to Machinery Breakdown, this product also offers cover to ensure clients do not suffer financially.

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11 completed projects Consort has been involved in the success of many major construction projects. Two examples we have proudly been part involved in insuring are the Moses Mabhida Stadium in Durban and the FNB / Wesbank building in Fairlands, Johannesburg.

12 Consort Johannesburg (Head Office) Unit 29 Consort House Waterford Office Park Waterford Drive Fourways 2055 Office +27 (0) Fax +27 (0) Postal Address P O Box 520 Banbury 2164 c p Durban FMI House Gleneagles Park 10 Flanders Drive Mt Edgecombe 4300 Office +27 (0) Consort is an Authorised Financial Services Provider. (FSP 2273) Lombard Ground Floor, Building C Sunnyside Office park 2 Carse O Gowrie Road Parktown, 2193 Office +27 (0) Fax +27 (0)

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