Insurance & Risk
Public liability, contract works, SASRIA, tool theft and what your policy will not pay out.
4 guides in this section
The Insurance a Self-Employed Contractor Actually Needs
The five layers of cover a self-employed SA contractor needs: CAR, public liability, the SASRIA extension, plant and bakkie cover, and COIDA instead of employers' liability.
Professional Indemnity for Design-and-Build Work
When a South African builder needs professional indemnity insurance: design-and-construct cover, claims-made timing, fitness-for-purpose exclusions and JBCC requirements.
Making an Insurance Claim and Taking Disputes to the NFO
How an SA contractor gets an insurance claim paid: SAPS case numbers, documentation, common rejection grounds, and free disputes through the National Financial Ombud.
Construction Guarantees and Sureties
How construction guarantees work for SA contractors: performance, advance payment and retention guarantees, the on-demand JBCC wording, and what banks and surety insurers require.