All the standard forms of building contract make specific provision for the liabilities which are at the contractor or employer's risk and which party is to insure those risks. See, for example, Practice Notes: JCT contracts—insurance, NEC contracts—insurance, FIDIC contracts (pre-2017 editions)—insurance and FIDIC contracts 2017—insurance. However, if the building contract is oral, or if the written terms are silent, then the common law provisions will prevail. What are the contractor's potential liabilities? The contractor's liabilities are: • liability in tort to third parties for injury, death or damage to property caused by the contractor's negligence (see Practice Note: Negligence in construction), and • liability to the employer in respect of damage to the works caused by the contractor’s own negligence or for breach of contract (see: Contract law for construction lawyers—overview) The contractor is not liable to the employer if the works are damaged by any cause other than the contractor’s own negligence or breach of contract. For example, damage caused by fire, flood, theft, etc or damage that was an inevitable