Questions and Answers

The representative office requests confirmation from the project's insurance agent that there is no impediment for our insurance policy for the project to also cover flood damage related to the building's location in the floodplain area.

Question: Does damage that is lower than the deductible justify contacting the insurance company and activating a policy?

The tenant consultant requires us, the contracting company, to have product liability and professional liability insurance. What costs are involved and maybe it's worth just switching consultants?

I received Form 4 for my project. Do I need to continue the contractor's insurance?

What happens when the independent safety officer requests to be included in the contractor's policy? Is this possible and what is the appropriate solution? Read here

We are carrying out a residential project in the center of the country. One of the buyers wants to visit the construction site with her two children, ages 10 and 13, and is also willing to extend the insurance for their visit. How should we do this?

In order to begin work on a new project, we are first required to excavate and remove a hill of sand (approximately 35,000 cubic meters per 00). At this stage, we would like to purchase insurance for the excavation work only. How do we do this?

Tenants contracted with a developer to carry out a TAMA 38 project, and in accordance with the commitment in the agreement between them, he was required to purchase contractor work insurance (which also protected the apartment owners, of course).

The shortage of workers due to the security situation has meant that the site has been down for two months. Can the insurance be frozen?

The insurance companies asked us to present them with proven confirmation regarding the contractor's claims experience, and when we submitted the documents, we were met with a blanket refusal from all the insurance companies.

What is the meaning of a documentation report of adjacent buildings in contractor work insurance and why is the insurance company's surveyor's report not sufficient for the neighboring buildings?

The war once again sharpened the non-existent gaps in Israel between the home front and the frontline, and in the following short article we will attempt to outline the important connection between urban renewal, military units, and national security.

In a state of war as declared, when the sites are shut down, what is the rule regarding the contractor policies?

A commercial building is in the partial delivery stages. While the first floor has already been completed and occupied, the rest of the building is undergoing completion work and repairs that are taking time, partly because the client has not yet moved forward (he is still deciding whether and what to occupy).

Is there insurance coverage for a developer/contractor's logo sign on a building, and what is the appropriate policy for this?

Can there be insurance coverage several years after the project is delivered if rust appears on the interior walls during rendering (according to the manufacturer's instructions)?

We are planning to do extensive renovations to a second-hand apartment we bought. What insurance should we purchase for the project and who will do it (us or the renovation contractor)?

We own an apartment in Holon that is located in a building where work is being carried out according to TAMA 38. According to the tenants' contract, the developer was also supposed to take out building and third-party insurance.

"Itzick, hello, I wanted to clarify a few issues regarding the employer liability chapter in the contractor's policy: 

•  Does it apply to foreign workers, workers from the territories, or refugees with a temporary residence visa that is renewed every few months? 
•  Does the insurance cover death? 
•  "Do I need to inform you, as our insurance agency, about every new employee?"

There is a foreman who left a very positive impression on us and we want to employ him with us....

We are interested in hiring the services of an asbestos removal contractor, but when we contacted asbestos contractors, we found that their policy excluded anything related to asbestos. When we asked one of the contractors to clarify this, he claimed that all insurance companies, without exception, exclude the issue from their insurance for contractor work.

Does contractor work insurance provide protection from the first day the work is performed, even if it began before the building permit was received...

An attorney representing an insurance agent contacted us after encountering a refusal by an insurance company to cancel a contractor's insurance policy. Is the insurance company entitled to refuse to cancel?...

The contractor has informed me that due to project execution and scheduling constraints, he intends to remove the sealants during the winter....

We saw that the policy was expanded in relation to the project... However, as you can see, the insurer deleted the coverage for property and casualty insurance....