We provide principal controlled insurance for project owners and head contractors seeking to consolidate insurance coverage across entire construction projects, rather than relying on each contractor and subcontractor maintaining separate policies. Our team structures programmes that wrap all participants under unified contract works, liability, and other relevant coverages, providing consistent protection standards, eliminating coverage gaps between different contractors' policies, and potentially achieving cost efficiencies through consolidated purchasing. These programmes are particularly valuable for projects exceeding $50 million where multiple contractors, numerous subcontractors, and extended construction periods create complexity in traditional insurance arrangements. Coverage typically includes contract works insurance for the project itself, public liability for all enrolled parties, and extensions for professional indemnity, latent defects, and other project-specific exposures.

As an independent broker, we conduct detailed cost-benefit analysis comparing wrap-up programmes against traditional contractor-controlled insurance, assessing whether consolidated coverage delivers genuine savings after accounting for programme administration costs and the need for higher limits to protect all enrolled parties under single policies. We structure enrollment procedures that automatically include qualifying contractors and subcontractors, with clear thresholds determining which parties must join the programme versus maintaining their own coverage. We negotiate appropriate deductibles and retained limits that incentivise contractors to maintain risk management standards whilst protecting the project owner from catastrophic losses. For international projects or joint ventures, we coordinate principal controlled insurance with local admission requirements and ensure coverage responds across multiple jurisdictions.

Our services include implementing programme administration systems that track enrolled contractors, issue certificates of insurance, manage claims across multiple parties, and provide reporting on loss experience throughout the project lifecycle. We arrange coverage for the full project duration including extended completion periods if construction delays occur, and structure run-off provisions for latent defects coverage that responds to issues discovered after project completion. We coordinate wrap-up insurance with professional indemnity for design consultants, marine cargo for imported materials and equipment, and delay in start-up coverage for projects with defined revenue commencement dates.

From major residential developments and commercial towers through to infrastructure projects and industrial facilities, we deliver principal controlled insurance programmes that provide unified risk management for complex construction undertakings. Our focus is on structuring programmes that deliver genuine cost savings and coverage improvements over traditional approaches, managing the administrative complexity of enrolling multiple parties, and ensuring claims are handled efficiently with clear allocation of deductibles and responsibility between the principal and enrolled contractors.