Many small & medium sized contractors do not take the time to read their combined liability insurance policy and are not aware of some of the major exclusions which are incorporated into these policy documents as standard.
One such exclusion is the hazardous locations exclusion. Here are 2 examples of how this exclusion may read as part of a combined public/products & employers liability policy:
HAZARDOUS LOCATION EXCLUSION (example 1)
This policy will not cover any claims arising from or out of or in connection with activities or work undertaken in or immediately adjacent to any of the following –
1. Airports, aircraft, aerodromes, runways or landing strips.
2. Ships, watercraft, jetties, offshore rigs or piers.
3. Railway lines, installations or property connected to any railway infrastructure.
4. Dams or aqueducts.
5. Mines, quarries or power stations.
6. Oil or chemical refineries or installations.
7. Petrol or other fuel tanks or storage vessels
HAZARDOUS LOCATION EXCLUSION (example 2)
This policy does not cover any claims arising out of or in connection with
1. the construction, alteration or repair of bridges, towers, steeples, chimney shafts, blast furnaces, viaducts, mines, dams or transport tunnels
2. any work of demolition
3. pile driving or tunneling
4. the use of explosives for any purpose
5. ship repair or ship breaking work on vessels or aircraft
6. work on any part of any aerodrome or airport
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Disclaimer: The material contained is this article is for general information purposes only and does not constitute professional advice.