Differentiate installation and service
Identify voltage ranges, locations, shutdown work and whether you design or only install to supplied plans. Explain interfaces with production machinery and any commissioning or programming obligations. The insurer should understand both the physical work and the consequences an alleged error could have for a customer.
Review consequential loss questions
A small damaged component can lead to a wider interruption at a mine. Review contractual responsibility for production loss, loss of use and delay, together with applicable policy exclusions. Do not treat the customer’s lost revenue as automatically insured because the contractor carries general liability or a large umbrella.
Document customer property
Clarify responsibility for equipment in your possession, temporary installations and materials awaiting installation. Installation coverage, equipment coverage and liability may answer different questions. Keep work orders, acceptance records and commissioning responsibilities available for the review, and obtain qualified legal advice for unusually broad performance guarantees.
Illustrative review scenario
An electrical contractor replaces controls during a planned shutdown, then faces an allegation that commissioning errors delayed restart. There may be little physical damage despite a substantial customer demand. Compare the allegation with professional services, loss-of-use and delay provisions. Preserve the commissioning scope and acceptance records so the claim can be evaluated against the contractor’s actual responsibility rather than a broad description of electrical work. If an alleged commissioning error damages a component and stops production, which policies would be asked to respond? Use that scenario to identify exclusions and contract obligations requiring further review.