A FEW THINGS TO KEEP IN MIND

TO GET THINGS DONE

Anything that can go wrong, will

DAMAGE, LOSS, INJURY, CLAIM

3,000 YEARS HISTORY

DEDUCTIBLES, EXCLUSIONS, CONDITION, WARRANTY, LIMITS

(1) CONDITION OF CONTACT (2)CONDITION OF INSURANCE

RISK ALLOCATION AND RESPONSIBILITY

EXCLUSION, DEDUCTIBLE, LIMIT, CONDITION, WARRANTY, EXTENTION

WORKS, MATERIAL, EXISTING PROPERTIES, LIABILITIES

PROTECT CASHFLOW, REDUCE DISPUTE, COMPLETE PROJECT

CAr for civil works, CER for m&e works

ACCIDENTAL, UNFORESEEN, SUDDEN PHYSICAL LOSS

PREMIUM, THEFT, UTILITY MAPPING, SURVEY, AUTHORITY PERMIT

BEFORE WORKS, MATERIAL UNLOADING, EXTENTION PERIOD

(1) REQUIREMENT (2) COMPLIANCE (3) CLAIM

RISK, POLICY TERM, LIMIT

SUM INSURED, PERIOD, CONDITION

REFER TO CONTRACT. WHO is RESPONSIBLE FOR RISK?

(1) COVERAGE (2) CONDITION (3) PREMIUM

you and INSURER DON'T WANT TO LOSE MONEY

REASONABLE CARE TAKE EFFORT & DISCIPLINE

PAY FOR VALUE, NOT FOR CHEAP PRICE

TRANSFER RISK. COMPLETE PROJECT. MAKE PROFIT

do you KNOW WHAT YOU ARE PAYING FOR?