{
    "componentChunkName": "component---src-gatsby-entities-post-tsx",
    "path": "/posts/construction-liability-in-2025-what-brokers-need-to-watch",
    "result": {"data":{"platform":{"post":{"id":"68cb8ad92bed93fd72d2287b","slug":"construction-liability-in-2025-what-brokers-need-to-watch","path":"/posts/construction-liability-in-2025-what-brokers-need-to-watch","name":"Construction Liability in 2025: What Brokers Need to Watch","title":null,"pretitle":null,"subtitle":null,"published":"2026-05-14T05:34:10.88","content":{"plain":"Why Claims Are Rising\nConstruction sites carry an inherent risk of injury and property damage, but claim severity has grown in recent years. Contributing factors include:\n•    Labour shortages and tight deadlines that extend repair times and can increase incident frequency.\n•    Complex subcontracting chains where contractual responsibility is unclear.\n•    Regulatory enforcement of workplace health and safety standards, with courts showing less tolerance for non-compliance.\nEven small errors — a scaffolding collapse, faulty wiring, or poor site supervision — can trigger large third-party claims.\nSubcontractor Liability: A Growing Concern\nThe heavy reliance on subcontractors is creating a particular challenge. When contracts do not clearly allocate responsibility, disputes can arise over who is liable for injuries, defects, or damages. Brokers can play a vital role in ensuring clients review subcontractor agreements and carry adequate coverage and limits to avoid uninsured exposures.  \nSite Safety Obligations\nRegulators are tightening expectations around incident reporting, safety training, and compliance audits. Demonstrating strong safety protocols is not only good practice — it can directly influence premium outcomes and coverage terms. Brokers who encourage clients to document and evidence these measures often secure more favourable terms.\nHow Brokers Can Add Value\n•    Highlight gaps: Ensure subcontractor liability is explicitly covered and not assumed.\n•    Encourage proactive safety: Position site audits, toolbox talks, incident reporting and compliance documentation as cost-saving tools.\n•    Explore specialist facilities: With many insurers limiting appetite in construction, MGAs like Scope remain critical in providing tailored liability solutions.\nScope’s Role\nAt Scope Underwriting, we specialise in providing Public & Products Liability cover that responds to the unique risks of construction projects. From small contractors to Tier 1 builders, our appetite includes complex risks where subcontractor management and safety protocols are essential. By working closely with brokers, we deliver robust cover backed by practical risk management support.\nLooking Ahead\nAs the construction sector continues to grow, liability risks will only intensify. Brokers who guide contractors through clear safety obligations and subcontractor exposures will be best placed to protect clients — and to build lasting value in a competitive market.\nContact Scope Underwriting: enquiry@scopeuw.com.au\n","text":"**Why Claims Are Rising**\n\nConstruction sites carry an inherent risk of injury and property damage, but claim severity has grown in recent years. Contributing factors include:\n\n•\tLabour shortages and tight deadlines that extend repair times and can increase incident frequency.\n\n•\tComplex subcontracting chains where contractual responsibility is unclear.\n\n•\tRegulatory enforcement of workplace health and safety standards, with courts showing less tolerance for non-compliance.\n\nEven small errors — a scaffolding collapse, faulty wiring, or poor site supervision — can trigger large third-party claims.\n\n**Subcontractor Liability: A Growing Concern**\n\nThe heavy reliance on subcontractors is creating a particular challenge. When contracts do not clearly allocate responsibility, disputes can arise over who is liable for injuries, defects, or damages. Brokers can play a vital role in ensuring clients review subcontractor agreements and carry adequate coverage and limits to avoid uninsured exposures.  \n\n**Site Safety Obligations**\n\nRegulators are tightening expectations around incident reporting, safety training, and compliance audits. Demonstrating strong safety protocols is not only good practice — it can directly influence premium outcomes and coverage terms. Brokers who encourage clients to document and evidence these measures often secure more favourable terms.\n\n**How Brokers Can Add Value**\n\n•\tHighlight gaps: Ensure subcontractor liability is explicitly covered and not assumed.\n\n•\tEncourage proactive safety: Position site audits, toolbox talks, incident reporting and compliance documentation as cost-saving tools.\n\n•\tExplore specialist facilities: With many insurers limiting appetite in construction, MGAs like Scope remain critical in providing tailored liability solutions.\n\n**Scope’s Role**\n\nAt Scope Underwriting, we specialise in providing Public & Products Liability cover that responds to the unique risks of construction projects. From small contractors to Tier 1 builders, our appetite includes complex risks where subcontractor management and safety protocols are essential. By working closely with brokers, we deliver robust cover backed by practical risk management support.\n\n**Looking Ahead**\n\nAs the construction sector continues to grow, liability risks will only intensify. Brokers who guide contractors through clear safety obligations and subcontractor exposures will be best placed to protect clients — and to build lasting value in a competitive market.\n\n**Contact Scope Underwriting: enquiry@scopeuw.com.au**\n"},"openGraph":{"title":null,"description":{"plain":"The construction sector remains one of the most active — and most complex — areas of liability insurance. For brokers, supporting contractors and builders has become increasingly challenging as claims rise, regulatory scrutiny intensifies, and subcontractor exposures expand.\n"},"image":{"url":"https://res.cloudinary.com/shapeable/image/upload/v1758169781/rhodian/banner/tp-la_image__iStock-1493203194_z9kj30.jpg","url2x":null,"thumbnails":{"card":{"url":"https://res.cloudinary.com/shapeable/image/upload/c_limit,w_480/v1758169781/rhodian/banner/tp-la_image__iStock-1493203194_z9kj30.jpg","url2x":"https://res.cloudinary.com/shapeable/image/upload/c_limit,w_960/v1758169781/rhodian/banner/tp-la_image__iStock-1493203194_z9kj30.jpg"},"bubble":{"url":"https://res.cloudinary.com/shapeable/image/upload/c_limit,w_64/v1758169781/rhodian/banner/tp-la_image__iStock-1493203194_z9kj30.jpg","url2x":"https://res.cloudinary.com/shapeable/image/upload/c_limit,w_128/v1758169781/rhodian/banner/tp-la_image__iStock-1493203194_z9kj30.jpg"}}}},"intro":{"plain":"The construction sector remains one of the most active — and most complex — areas of liability insurance. For brokers, supporting contractors and builders has become increasingly challenging as claims rise, regulatory scrutiny intensifies, and subcontractor exposures expand.\n","text":"The construction sector remains one of the most active — and most complex — areas of liability insurance. For brokers, supporting contractors and builders has become increasingly challenging as claims rise, regulatory scrutiny intensifies, and subcontractor exposures expand."},"outro":{"text":""},"videos":[],"imageAssets":[],"organisations":[],"people":[],"embeds":{"citations":[],"pages":[],"people":[],"imageAssets":[]},"banners":[{"id":"68cb8aba2bed93fd72d22878","name":"TPLa","slug":"tp-la","title":null,"description":{"text":""},"alternateText":null,"image":{"id":"image_rhodian/banner/tp-la_image__iStock-1493203194_z9kj30","url":"https://res.cloudinary.com/shapeable/image/upload/v1758169781/rhodian/banner/tp-la_image__iStock-1493203194_z9kj30.jpg","url2x":null,"width":724,"height":483,"type":"image/jpeg"}}]}}},"pageContext":{"lang":{"id":"en","path":"","iso":"en","name":"English","label":"English"},"availableEntities":["Page","Post","FeedEntry","Video"],"detailEntities":["Page","Post"],"site":{"id":"65d566e0f7d2d452331bf0e3","slug":"rhodian","name":"Rhodian","url":"https://rhodian.com.au","title":"Rhodian","twitter":null,"threads":null,"facebook":null,"linkedin":"https://www.linkedin.com/company/rhodiangroup","instagram":null,"flickr":null,"tiktok":null,"youtube":null,"ownerName":"Rhodian","recaptchaKey":"6LdDQxwkAAAAAOJ_pLxAaXbpytdvGAuekNkqg6d0","googleSiteVerification":"QrqozC_nD82lnaYFTuo91ylOdmN6u59ZW4gE2wA-1kA","platformName":"Rhodian Community Platform","platformUrl":"https://rhodian.shapeable.ai","supportEmail":null,"contactEmail":null,"mainMenu":{"id":"65d566bdf7d2d452331befd0","slug":"website-navigation"},"linearMenu":null,"entityViews":[],"entityAppViews":[],"entityOnboardingViews":[],"gptLanguages":[],"gptQuestionTemplate":null,"advertisements":[],"logoVerticalOffset":null,"logoHorizontalOffset":null,"logoVerticalOffsetMobile":null,"logoHorizontalOffsetMobile":null,"logoVerticalOffsetTablet":null,"logoHorizontalOffsetTablet":null,"logoVerticalOffsetDesktop":null,"logoHorizontalOffsetDesktop":null,"logoHeightMobile":null,"logoHeightTablet":null,"logoHeightDesktop":null,"headerHeightMobile":null,"headerHeightTablet":null,"headerHeightDesktop":null,"logo":{"url":"https://res.cloudinary.com/shapeable/image/upload/v1674170403/rhodian/site/rhodian_logo__rhodian_logo__logo_ps3pgm.png.png","type":"image/png","width":330,"height":50},"logoInverted":{"url":"https://res.cloudinary.com/shapeable/image/upload/v1674170404/rhodian/site/rhodian_logoInverted__rhodian_logoInverted__rhodian-logo-inverted_qmabxo.png.png","type":"image/png","width":330,"height":50},"footerMenu":{"id":"65d566bdf7d2d452331befd0","slug":"website-navigation"},"footerSecondaryMenu":null,"footerContent":{"text":"© {year} Rhodian. All rights reserved\n\nABN: 90 665 784 627 - AFSL: 237267"},"creator":null,"poweredBy":{"id":"65d566c0f7d2d452331befff","name":"Shapeable","slug":"shapeable","url":"https://shapeable.ai","logo":{"url":"https://res.cloudinary.com/shapeable/image/upload/v1729480609/rhodian/organisation/shapeable_logo__shapeable-logo_b5oenq.png","type":"image/png","width":392,"height":118},"logoInverted":{"url":"https://res.cloudinary.com/shapeable/image/upload/v1729480635/rhodian/organisation/shapeable_logoInverted__shapeable-logo-inverted_hxeuqs.png","type":"image/png","width":392,"height":118},"logoSubtle":null},"poweredByLabel":null,"poweredByContent":{"text":""},"explorerPage":null,"termsPage":null,"homePage":{"name":"Home","title":"Venture. Collectively.","slug":"home-5","path":"/"},"knowledgeHubPage":{"name":"Insights","title":"Insights","slug":"insights-4","path":"/insights"},"privacyPolicyPage":{"name":"Privacy Policy","title":"Privacy Policy","slug":"privacy-policy-4","path":"/privacy-policy"},"summary":{"text":"Rhodian. A network that creates independent opportunity and the collective capability to shape the future of our industry. Equitable and ethical at our core, we're building a network of independent underwriting agencies that deliver better to insurers, brokers and ultimately the end-consumer. As an incubator, we’re backing and bringing together the next generation of insurance entrepreneurs."},"thumbnail":{"url":"https://res.cloudinary.com/shapeable/image/upload/v1674170500/rhodian/site/rhodian_thumbnail__rhodian_h44zan.jpg.jpg"},"openGraph":{"title":"Rhodian","date":"2024-10-21T03:17:25.28","description":{"plain":"Rhodian. A network that creates independent opportunity and the collective capability to shape the future of our industry. Equitable and ethical at our core, we're building a network of independent underwriting agencies that deliver better to insurers, brokers and ultimately the end-consumer. As an incubator, we’re backing and bringing together the next generation of insurance entrepreneurs.\n"},"image":{"url":"https://res.cloudinary.com/shapeable/image/upload/v1674170500/rhodian/site/rhodian_thumbnail__rhodian_h44zan.jpg.jpg","type":"image/jpeg","thumbnails":{"full":{"url":"https://res.cloudinary.com/shapeable/image/upload/v1674170500/rhodian/site/rhodian_thumbnail__rhodian_h44zan.jpg.jpg"}}}},"termsAndConditions":{"text":""},"privacyPolicy":{"text":""},"welcomeUrl":"https://rhodian.com.au/app/welcome","welcomeTitle":null,"invitationAction":"join the Rhodian community","setupCompletionMessage":null,"languages":[],"brandColors":[],"showLogin":null,"showShareMenu":true,"showFollowMenu":true,"showPlatformLogin":null,"showContactUs":null,"loginLabel":null,"platformLoginLabel":null,"headerButtons":[]},"includeProfile":false,"disableProfileEditing":false,"dynamicEntityTypeNames":[],"id":"68cb8ad92bed93fd72d2287b","slug":"construction-liability-in-2025-what-brokers-need-to-watch","entityPath":"/posts/construction-liability-in-2025-what-brokers-need-to-watch","openGraph":{},"entityTypeName":"Post","name":"Construction Liability in 2025: What Brokers Need to Watch","__type":"Post"}},
    "staticQueryHashes": ["1221201636","1227084492","1357869590","1424666086","1494373414","1505804561","1642514827","2016388789","2065593444","2178469144","2252425139","227495051","2338984618","2952590632","3002076743","3190044573","3300161794","3438062317","3624873332","3685893834","3868936251","387122360","4051288826","418456406","4285939262","88762491"]}