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The construction process is complex and presents a high risk for insurers. The scope for insurance claims is considerable. Apart from the physical risks such as fire, theft, vandalism, flooding and collapse, there is the close proximity on site of different subcontractors, enhancing the public liability risks as well as the ever-present employer's liability risk. There are also knock-on effects such as loss of revenue, delay in start up and insolvency of contractors and clients.