Construction Insurance and Risk Management Training Course

Duration 10 days 17 modules · 65 contact hours
Level Intermediate Certificate on completion
Who attends Project Managers, Construction Managers and others
Fee from USD 2,200 KSh 190,000 for Kenyan organisations
Where 52 cities + online See dates by city
Next start 9 Nov 2026 Course code SD-CM-096

Before you join: Participants should understand how construction projects are procured and delivered, including the roles of client, contractor, consultant and subcontractor.

Dates & prices

Two start dates a month in every city, and live online on weekdays or weekends. Fees are per participant; classroom fees include tuition, materials, lunch and refreshments, and the certificate.

Suggest a date or city

Showing the next six months. Later dates, other cities and private deliveries for your team are available on request.

Course overview

Construction projects carry concentrated exposures: physical loss, third-party injury, design failure, delay, defective work, environmental damage, insolvency and disputes over contractual responsibility. Insurance can protect the project balance sheet, but only when policy wording, contract obligations, project controls and claims procedures align. Poorly placed cover, unclear indemnities and late notification can leave owners, contractors, lenders and consultants funding losses they expected insurers to meet.

This course examines the construction insurance programme from project planning through handover and the defects period. Participants assess project risks, identify insurable and uninsurable exposures, compare common construction policies, allocate responsibilities through contract clauses, and review policy wording for gaps. The course covers Contractors' All Risks, Erection All Risks, third-party liability, professional indemnity, delay in start-up, marine cargo, plant, workers' compensation, employer's liability and environmental cover. It also addresses insurer requirements, broker instructions, premium allocation, deductibles, claims evidence and dispute management.

Teaching combines short technical briefings with project cases drawn from building, infrastructure, energy and industrial works. Participants work with insurance schedules, contract extracts, risk registers, claims files and insurer questionnaires. They progressively build an insurance and risk-management pack for a realistic project, then test it against incidents including fire, flooding, collapse, design error and delay. They leave with reusable review tools, a project insurance requirements schedule, a risk allocation analysis and a claims response plan.

The course suits professionals who procure, administer, supervise, insure or finance construction work and need to make informed decisions before losses occur. It is particularly relevant where multiple contractors, international supply chains, lender conditions, public procurement rules or complex contractual interfaces increase the consequences of unclear insurance arrangements.

What you will be able to do

  • Assess construction risks using ISO 31000 principles and a project risk register
  • Specify Contractors' All Risks and liability insurance requirements for project exposures
  • Interpret construction policy wording, endorsements, exclusions, deductibles and indemnity limits
  • Allocate insurable responsibilities through JCT, NEC4 and FIDIC contract provisions
  • Prepare an insurance submission and broker instruction from project risk information
  • Evaluate delay in start-up, professional indemnity and environmental insurance needs
  • Manage a construction claim using notification, evidence preservation and recovery procedures
  • Produce and present a project insurance and risk-management pack

Benefits of attending

For you

  • Confidence reviewing construction insurance schedules before contract award
  • Stronger judgement when identifying uninsured project exposures
  • Practical capability to challenge unclear exclusions and inadequate limits
  • A repeatable method for coordinating insurers, brokers and project teams
  • Evidence-based claims handling skills during site incidents and losses

For your organisation

  • Fewer uninsured losses caused by policy gaps and missed notifications
  • Clearer allocation of insurance responsibilities among project parties
  • Better insurer submissions supported by accurate risk information
  • Reduced claim disruption through prepared evidence and escalation procedures
  • Stronger governance over deductibles, limits, endorsements and renewals

Course modules

17 modules over 10 days

Participants can explain how construction risk, contractual responsibility and insurance protection interact.

  • Construction risk categories: property, liability, delay, design and environmental loss
  • Risk transfer, risk retention, avoidance and mitigation within project controls
  • Insurable interest and indemnity principles applied to construction assets
  • Stakeholder responsibilities for owners, contractors, consultants, lenders and suppliers
  • Project lifecycle exposures from site possession through defects completion
  • Insurance programme structure: project policies, annual policies and owner-controlled arrangements

Participants can build a prioritised construction risk register that supports insurance decisions.

  • ISO 31000 risk process applied to construction project planning
  • Risk breakdown structures for civil, building, industrial and energy works
  • Bow-tie analysis linking causes, preventive controls and recovery controls
  • Probability-impact scoring calibrated against project cost and schedule exposure
  • Risk owners assigned using accountable, responsible, consulted and informed roles
  • Residual-risk decisions documented after insurance and control measures

Participants can define an insurance programme suited to a project's risk profile and procurement route.

  • Project information required before approaching insurers and brokers
  • Policy limits derived from values, probable loss and contractual requirements
  • Deductibles selected against retained-risk appetite and cash-flow capacity
  • Named insureds, additional insureds and joint insured arrangements
  • Insurance periods covering mobilisation, construction, testing and maintenance
  • Layered programmes for high-value works and specialist exposures

Participants can evaluate CAR and EAR cover against physical damage exposures.

  • CAR and EAR insuring clauses for contract works damage
  • Material damage values, escalation allowances and temporary works declarations
  • Testing, commissioning and hot-testing cover for installed equipment
  • Defects exclusions, resulting damage and maintenance period extensions
  • Existing property, surrounding property and non-negligent damage provisions
  • Flood, storm, theft and fire controls affecting insurer acceptance

Participants can select liability cover and identify common gaps in third-party protection.

  • Public liability cover for bodily injury and property damage
  • Employer's liability and workers' compensation obligations for site personnel
  • Cross liability clauses where multiple insured parties face claims
  • Products and completed operations exposure after project handover
  • Care, custody and control exclusions affecting hired equipment
  • Contractual liability assumptions and indemnity wording within subcontracts

Participants can assess design liability exposures and appropriate professional indemnity arrangements.

  • Professional indemnity triggers: negligence, errors, omissions and civil liability
  • Claims-made policy operation, retroactive dates and extended reporting periods
  • Design responsibility under design-build and contractor-designed portions
  • Fitness-for-purpose obligations compared with reasonable skill and care
  • Collateral warranties, reliance letters and duty-of-care exposures
  • Consultant appointment limits aligned with project risk allocation

Participants can analyse delay exposures and determine when DSU cover is appropriate.

  • Delay in start-up cover following insured physical damage
  • Gross profit, fixed costs and debt-service calculations for DSU
  • Critical path analysis supporting delay-loss measurement and mitigation
  • Indemnity periods matched to commissioning and revenue ramp-up assumptions
  • Contingent business interruption from supplier and utility failures
  • Delay exclusions for defects, non-damage delays and contractual penalties

Participants can identify specialist insurance needs arising from project methods and location.

  • Contractors' plant insurance for owned, hired and leased equipment
  • Marine cargo cover for imported machinery and project materials
  • Environmental impairment liability for pollution and remediation claims
  • Cyber insurance exposure in building management and connected equipment
  • Political violence and terrorism cover for higher-risk project locations
  • Surety bonds, performance guarantees and insurance distinctions

Participants can review contractual insurance clauses for clear and workable risk allocation.

  • JCT insurance options and responsibilities for contract works
  • NEC4 ECC insurance clauses, risks and required policies
  • FIDIC Red Book insurance provisions and contractor obligations
  • Waivers of subrogation and their effect on recovery rights
  • Indemnity clauses tested against available insurance protection
  • Evidence of insurance, certificates and renewal monitoring requirements

Participants can control insurance obligations and exposures within the project supply chain.

  • Flow-down insurance requirements within subcontract and purchase order terms
  • Subcontractor policy verification using certificates, schedules and endorsements
  • Additional insured status and primary non-contributory wording
  • Vendor-held materials, off-site storage and transit risk allocation
  • Insolvency exposures affecting unfinished works and warranty obligations
  • Supplier quality failures linked to product liability and recall

Participants can review policy wording systematically and record material coverage gaps.

  • Insuring agreements read before definitions, conditions and exclusions
  • Definitions of occurrence, damage, insured and construction operations
  • Exclusions tested against project risks recorded in registers
  • Endorsements compared with base wording and broker summaries
  • Schedule accuracy checked for values, locations, periods and limits
  • Coverage gap register assigned to insurers, contracts or controls

Participants can prepare a clear insurance submission and evaluate insurer responses.

  • Broker instruction letter defining placement objectives and decision authority
  • Underwriting submission data: scope, values, methods, controls and loss history
  • Insurer surveys, risk engineering reports and recommendation closure
  • Quotation comparison using limits, exclusions, deductibles and conditions
  • Premium allocation among owner, contractor and subcontractor parties
  • Binding instructions, policy issuance and document verification controls

Participants can establish site controls that reduce loss frequency and support policy compliance.

  • Insurer risk-improvement recommendations converted into accountable action plans
  • Fire prevention controls: hot works permits, storage and impairment procedures
  • Flood preparedness using site drainage, monitoring and emergency response
  • Security plans for theft, vandalism and unauthorised site access
  • Plant inspection regimes, lifting plans and equipment maintenance records
  • Housekeeping audits linked to contractor supervision and incident trends

Participants can initiate and manage a construction insurance claim from incident to settlement.

  • Immediate response priorities: safety, loss mitigation, notification and preservation
  • Policy notification conditions, time limits and escalation routes
  • Claims file structure for photographs, records, invoices and correspondence
  • Loss adjuster roles, site access and investigation protocols
  • Quantum evidence for repair costs, delay losses and third-party claims
  • Reservation of rights letters and disputed coverage responses

Participants can pursue recoveries, manage disputes and convert losses into improved controls.

  • Subrogation rights against negligent parties after insurer payment
  • Recovery actions coordinated with contract notices and legal advisers
  • Mediation, adjudication, arbitration and litigation in insurance-related disputes
  • Concurrent claims under project policies and contractor indemnities
  • Claims trend analysis using cause, cost, duration and control failure
  • Post-loss reviews updating risk registers, procedures and insurance requirements

Participants can establish governance routines for monitoring insurance compliance throughout delivery.

  • Insurance compliance matrix covering parties, policies, limits and expiry dates
  • Monthly project reviews of incidents, changes and emerging exposures
  • Change-control triggers for revised values, scope and construction methods
  • Management reporting using key risk indicators and claims status
  • Audit trails for certificates, endorsements, premiums and approvals
  • Handover checks for maintenance cover, warranties and completed operations

Participants can build, review and present a complete project insurance and risk-management pack.

  • Project risk register prioritised using ISO 31000 assessment criteria
  • Insurance requirements schedule matching exposures, limits and responsible parties
  • Contract clause review identifying allocation conflicts and uninsured risks
  • Coverage gap register with treatment actions, owners and due dates
  • Claims response plan covering notification, evidence and stakeholder communications
  • Formal presentation defending recommendations to project leadership and insurers

Exercises and examples are adapted to each cohort's sectors and roles.

What you take back to work

  1. Construction insurance requirements schedule
  2. Project insurance risk register
  3. Policy wording review checklist
  4. Contract insurance clause analysis template
  5. Construction claims response plan
  6. Insurance compliance monitoring matrix

Who should attend

  • Project Managers — need insurance controls aligned with project delivery responsibilities
  • Construction Managers — need to manage site exposures and incident reporting
  • Commercial Managers — need to assess contractual insurance obligations and recoveries
  • Contract Administrators — need to verify evidence of insurance and policy compliance
  • Risk Managers — need to structure project-specific insurance and retained-risk controls
  • Insurance and Broker Professionals — need stronger understanding of construction project exposures

Skills and tools covered

Construction risk assessmentPolicy wording reviewInsurance programme designContract risk allocationClaims managementInsurance procurement

Tools and standards

ISO 31000, ISO 31010, NEC4 ECC, FIDIC Red Book

How the course runs

Training methodology

The course uses short instructor briefings to establish insurance principles, followed by case work using realistic project documents and loss scenarios. Participants review policy schedules, contract clauses, broker submissions, incident reports and claims correspondence. Group exercises test decisions on risk allocation, coverage gaps, notification timing and insurer information requirements. Simulations examine responses to major site events and disputed claims. Throughout the course, participants apply each method to a selected project case and record decisions in an insurance and risk-management pack.

Requirements and prerequisites

Participants should understand how construction projects are procured and delivered, including the roles of client, contractor, consultant and subcontractor. Familiarity with basic contract terms, project schedules, site operations or corporate insurance arrangements is helpful. The course assumes participants can read commercial documents and discuss project risks using practical examples. It does not require prior insurance qualifications, actuarial knowledge, legal training or experience handling major claims. Participants from non-insurance roles will receive sufficient policy and claims context before detailed wording review.

A typical training day

08:30 – 10:30First session
10:30 – 10:45Refreshment break
10:45 – 12:30Second session
12:30 – 13:30Lunch and networking
13:30 – 15:00Third session
15:00 – 15:15Refreshment break
15:15 – 16:30Workshop and daily review

Live online deliveries follow the same structure in East Africa Time, with shorter screen blocks and longer breaks.

What the fee includes

  • Instruction by a practitioner facilitator
  • Full course workbook and materials
  • Exercise files, templates and case studies
  • Refreshments and lunch on classroom deliveries
  • Certificate of completion
  • Post-course application plan

Frequently asked questions

You should understand basic construction project roles and commercial documents. Prior insurance training is helpful but not required; policy concepts are introduced before detailed application.

Bring a current or recent project example if your employer permits you to discuss it. Useful materials include a contract insurance schedule, risk register, policy summary or claims scenario, with confidential information removed.

It suits project, construction, commercial, contract administration, risk and insurance professionals involved in construction work. It is also useful for lender, owner and consultant staff who review project insurance requirements.

The course focuses on construction exposures, project contracts, site controls and loss events rather than personal or general commercial insurance. Participants work with CAR, EAR, DSU, professional indemnity and construction liability issues.

You can use the templates to review an upcoming tender, check subcontractor evidence, identify policy gaps or prepare a claims procedure. The capstone pack provides a structure for reporting insurance issues to project leadership.

The first week establishes risk assessment, core construction covers, contract allocation and policy review. The second week addresses procurement, site controls, claims, governance and the final project insurance and risk-management pack.

Questions about this course?

Ask about dates, fees, group bookings or running it for your team. Our training team replies by email.

Ask on WhatsApp info@skillsetdevelopment.com

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