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91T - Subcontractors Extension

The cover provided by the Liability cover section of your policy is varied by the following endorsement:

We will cover;

Any subcontractor(s) but only for their liability for personal injury or property damage that is directly caused by their performance of the work for you and only to the extent that we would cover you under this cover section for your liability to that subcontractor(s) had it made a claim against you in respect of the circumstances giving rise to their liability;

However this is on the basis that:

(i) the work performed by the subcontractor(s) is part or all of the work that you have a contract to perform for some other party; and

(ii) our liability shall not exceed the lesser of the minimum amount of liability insurance cover required by the contract to perform the work and the Limit of Liability shown in the schedule; and

(iii) for avoidance of doubt, it is further provided that where a subcontractor(s) makes a claim under this clause, the Employer's Liability Exclusion shall apply so that we will not pay for that subcontractor(s) liability for personal injury to any person in the service of either:

(1) you; or

(2) that subcontractor(s)

LCPA 23/541 

The endorsements on this page will form part of your insurance contract, along with any Product Disclosure Statements/Policy Wordings/Policy Schedule. By proceeding to arrange insurance through our website following your quote summary, you agree this endorsement will be applicable to your insurance contract.

For full details of the terms, conditions and limitations of the covers and before you decide whether this policy suits your needs or making any decision about whether to acquire the product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request.