Dissecting the Construction Insurance Coverage

The Dissecting the Construction Insurance Coverage Training Course provides a comprehensive understanding of how construction insurance operates, how policies are interpreted, and how claims are assessed throughout the lifecycle of a construction project. Construction environments present a wide range of risks, including fire, collapse, flooding, landslides, theft, explosion, and unexpected site incidents. This training course helps participants understand how Construction All Risks (C.A.R.) and Erection All Risks (E.A.R.) policies respond to these exposures, offering the technical clarity required to evaluate coverage terms, conditions, and exclusions with confidence.

By dissecting the full construction insurance documentation—from policy jackets and schedules to proposal forms—participants gain in-depth knowledge of how insurance is structured, why specific clauses are included, and how insurers, brokers, and underwriters approach risk. The course emphasises practical learning by examining real case scenarios, helping participants understand how the policy wording applies in real-life situations. This ensures they not only interpret policy text but can also translate it into effective risk management and coverage decisions.

This Dissecting the Construction Insurance Coverage Course also explores the mindset of underwriters, the role of loss adjusters, and the processes involved in claim evaluation and resolution. Participants develop the ability to analyse underwriting concerns, identify gaps in coverage, and secure the most effective policy terms for construction projects. With interactive sessions, technical comparisons, and practical exercises, the training course equips attendees with the operational and analytical skills required to manage construction-related insurance with precision and confidence.

The Dissecting the Construction Insurance Coverage Course is designed to enhance understanding of construction insurance fundamentals, policy interpretation, and claims assessment in a structured and practical manner. The training course ensures participants gain both technical and contextual knowledge of C.A.R. and E.A.R. policies, their operative clauses, exclusions, and the principles that guide how insurers respond to incidents onsite.

By the end of this training course, participants will be able to:

• Understand the fundamental principles and concepts that govern construction insurance
• Analyse how C.A.R. and E.A.R. policies operate as risk-transfer mechanisms
• Apply policy clauses, endorsements, and exclusions to practical construction scenarios
• Identify how insurers assess claims and determine policy response
• Interpret the meaning and impact of key terms such as Sum Insured, Limit of Liability, and Period of Cover
• Evaluate underwriting concerns and how they influence pricing, coverage, and acceptance
• Recognise the relationship between project risk, contractor obligations, and insurance documentation

This Dissecting the Construction Insurance Coverage Training Course is ideal for professionals dealing with construction insurance from underwriting, claims, project, or risk-management perspectives. It provides essential insight for both technical and non-technical personnel who need a deeper understanding of how insurance supports construction and infrastructure developments. The course addresses intermediate-level concepts while remaining accessible to those transitioning into construction insurance responsibilities.

This training course will greatly benefit:

• Senior Executives and Managers from insurance companies, brokers, reinsurers, and loss adjusting firms
• Engineers, Quantity Surveyors, Building Surveyors, Architects, and Consultants involved in construction projects
• Finance, legal, and commercial professionals working with contractors, builders, developers, and utilities
• Lawyers, para-legals, and regulators dealing with construction-related liabilities and compliance matters
• Project personnel involved in risk evaluation, contract drafting, and claims reporting

This Dissecting the Construction Insurance Coverage Training Course uses interactive, activity-based learning to ensure a practical and engaging learning experience. The delivery approach combines technical instruction with real case studies, allowing participants to understand how policy terms function in real-world situations. The course emphasises hands-on interpretation of policy documents, comparisons of regional wordings, and discussions on best practices for negotiating effective coverage.

Training delivery will include:

• Facilitated group discussions to reinforce key insurance concepts
• Case studies featuring real construction incidents and applied solutions
• Role-play sessions that simulate underwriting, claims handling, and risk evaluations
• Technical analysis of C.A.R. and E.A.R. policy wording, endorsements, and exclusions
• Interactive exercises designed to strengthen practical understanding of coverage and claims