JCT contracts—insurance

The following Construction practice note provides comprehensive and up to date legal information covering:

  • JCT contracts—insurance
  • Contractors’ liability for personal injury and property damage
  • Clause 6.1—Personal injury or death
  • Clause 6.2—Loss, injury or damage to property
  • Clause 6.3—Damage to existing structures or contents
  • Public liability insurance
  • Clause 6.4—Public liability and employer’s liability insurance
  • Clause 6.5—Insurance of the Employer’s liability for neighbouring properties
  • Clause 6.6—Excepted Risks
  • Insurance of the Works and Existing Structures
  • More...

JCT contracts—insurance

This Practice Note looks at the insurance provisions in the main forms of JCT contract. It focuses on the Contractor’s liabilities and obligations to insure under the JCT Design and Build Contract (DB) 2016 and JCT Standard Building Contract (SBC) 2016. Any differences in clause numbering between the two forms are highlighted in this Practice Note, otherwise the clause numbers apply to both the DB and SBC forms. Some changes were made to the insurance provisions in the 2016 editions against those in the 2011 editions, including moving much of the text from Schedule 3 into the main conditions and the introduction of the C.1 Replacement Schedule, see Practice Note: JCT contracts 2016—what's changed? [Archived].

For details of how insurance and risks are dealt with in the NEC3/NEC4 Engineering and Construction Contract, see Practice Note: NEC contracts—insurance. In relation to the FIDIC contracts, see Practice Notes: FIDIC contracts 2017—insurance and FIDIC contracts (pre-2017 editions)—insurance.

This Practice Note considers the JCT provisions as drafted. It is not uncommon, however, for the insurance provisions to be amended by way of a schedule of amendments (and common amendments are noted in this Practice Note). Whether or not the JCT terms have been amended, it is crucial that both employers and contractors consult their insurance advisers in relation to all projects to ensure that the insurance coverage is adequate

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