The document discusses various exposure treatments related to construction projects, including physical damage to properties, third-party liabilities, and coverage options. It emphasizes the importance of insurance policies such as contractor's all risk and public liability to handle potential losses and injuries during and after construction. Additionally, it highlights the need for coverage against natural risks and the responsibilities of both owners and contractors in managing these exposures.

11. Exposure Treatments Remarks
Property in the course of construction
Physical damage to the project and owner's
property including some consequential or
time element losses. This includes both the
project itself as well as the existing properties
in the case of renovations, repairs, additions or
new construction in proximity to other
structures. Exposures may include vehicles,
materials and equipment used in the project
Contractor's All Risk including
Third Party Liability/ Public
Liability; Extension of Owner's
Property Insurance Policy;
Erection All Risk Insurance Policy
during installation
Can be carried out by owner
or contractor; includes debris
removal, expediting costs,
delayed completion and
business interruption
Third Party Liability
Injury to third parties including injury to the
workers/employees. This also includes
damage to property owned by others and
injuries sustained by the public
Third Party Liability coverage on a
fixed sum insured; Public Liability
Insurance Coverage
May include marine cum
storage insurance; also
declare and include the
completed operations
After Construction
Completed projects are prone to natural risks Property All Risk
To be carried out by the
owner/developer