Sub-Contractors And Project Insurance - Are You Covered

It is the often the case that sub-contractors believe they are covered by project insurance where sub-contractors, as a general category, are a named class under the project insurance.

However, a recent case this year has highlighted and confirmed that just because a sub-contractor is named as an insured class in the policy documents, it does not necessarily follow that they are covered by the project insurance. The case in question was Haberdashers' Aske's Federation Trust Limited and Another v Lakehouse Contracts Limited and Othersⁱ.

Sub-contract required additional insurance cover

The project involved works to a college. Lakehouse Contracts were engaged by the Local Education Partnership for the works to be carried out.