Specialist Liability Risks – Edge Underwriting

Specialist Liability Risks

Specialist cover for contractors working at defined locations, or clients needing liability extensions that standard markets often won’t provide.

Submit an SLR Risk

A DIFFERENT WAY TO LOOK AT LIABILITY

It’s not just what they do. It’s where they work or what cover they need.

Many capable contractors fall outside standard liability appetite because they work at mines, utilities, airside, work at height, or other complex sites. Others need contractual or specialist extensions their existing market can’t provide.

Edge assesses the actual work, controls and exposure, giving brokers another path for well-managed risks and clients better access to the cover they need.

OPTION ONE

Because of Where They Work

For contractors deriving at least 10% of turnover from work at specialist or higher hazard locations.

See list of locations below.

Because of Where they Work

Abattoirs

Agriculture

Airside

Battery Energy Storage Systems (BESS)

Canals

Chemical / Gas / Oil Refineries

Chemical Manufacturing Plants / Storage Plants

Dams

Data Centres

Defence Force / Military Sites

Demolition Sites

Fertiliser Manufacturing Plants

Food Processing Plants

Forestry

Gas / Oil Rigs (On-Shore)

Grain Silos

Hydrogen Facilities

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Experience Operators

Relevant experience, capable management and a clear understanding of the work.

Strong Risk Controls

Documented SWMS, training, permits, supervision and site-specific procedures

Turnover Split between Main Activities

Split between asbestos work and non-asbestos work

Claims History

Claims history on UW letterhead. Were they have been claims, clear risk improvements made by the clients.

What We

Look For

AIRSIDE

Airside Liability

Clients that work at airports (excluding runway or runway lighting work).

What We Don’t Like

Poor Risk Management

Trading without Cover in Place

Power poles/ Overhead Power

Processing Plants Critical Works

Contractor Ratio exceeding 75%

Professionals without PI Cover

Public Utilities

Critical Work

Rail
Track / Signals

Ship Builders/
Hull Repairs

Rolling Stock
Manuf/Repairs

Airside

lighting/runway

Adverse Claims History

Not Sure If it Fits?

Our underwriters can help determine the best solution based on the nature and location of the work being undertaken, and any extensions required.

Real World Examples

Up to $50m

Public & Products Liability

Example 1

Commercial Plumber
Undertakes plumbing work in high-rise buildings and industrial facilities, including work above the second floor. Requires Victorian Plumbers Liability and incidental professional indemnity cover.

Example 3

Mining Services Conractor
Provides mechanical maintenance and equipment repairs at mine sites.

Contract requirements include principals as additional insureds and a blanket waiver of subrogation.

Example 2

Builder / Concreter
Installs post-tensioning systems in multi-storey concrete construction. Requires rectification of faulty workmanship and Rip & Tear cover for the cost of accessing and replacing defective work.

Download Centre

Proposal
Form

Claim
Form

Product Brochure

Policy Wordings

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Contact us?

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Need to Place a

Specialist Liability Risk?

We’d love to assist.

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Two Solutions

One specialist approach.

Specialist Liability Cover

For specialist risks.

Two Solutions, One Specialist Approach

Why Brokers Choose Edge

Specialist Liability Underwriters

Fast Decisions
& Turnaround

Flexible Underwriting
& Options

Australia-Wide
Risk Appetite

Industry Leading Extensions

Up to $10m

Incidental Professional Indemnity

Extensions

Industry Leading Optional Extensions

100% Lloyd’s

Security

OPTION TWO

Because of the Extra Cover They Need

For risks requiring one or more of Edge’s specialist liability extensions, even where the occupation itself is otherwise straightforward.

See list of extension below.

Mines (Including underground)

Power/Electricity Network (not overhead power)

Power Utilities

Quarries

Rail Infrastructure (not signalling / track work)

Saw Mills

Scientific Laboritories

Security Industry (not crowd control / retail)

Shipyards / Docks / Watercraft (not shipbuilders)

Solar Farms

Structures containing ACP / EPS

Tunnels

Waste & Recycling Facilities

Water Treatment or Desalination Plants

Water Utilities

Wind Farms

Working at Height

(Working on, at or in Buildings above the 2nd floor)

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Because of the Cover they Need

ASBESTOS

Asbestos Liability

Claims Made or Occurrence options up to $20m, Incidental options up to $2m.

CONTRACTS

Contractual Liability

Liability assumed under contract (Blanket basis).

CONTRACTS

Principal’s Interests

Principal’s as additional Insureds and waiver of subrogation (Blanket basis).

Incidental PI

Limits from $250k to $10m where they are not charging separate professional fess.

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WORK

Faulty Workmanship

Rectification of faulty workmanship limits of $25k or $50k available.

WORK

Rip & Tear

Can cover the cost of removing and redoing concrete that was defective.

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LICENSE REQUIREMENTS

QLD Electrical Contractors

VIC Plumbers

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Playground Manuf / Installation

Security – Crowd Control / Retail

Sport / Leisure / Entertainment

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