Describe access and support
Explain how personnel, equipment and supplies reach the site, including public-road and off-road travel. Identify temporary camps or facilities for which the contractor is responsible. Provide a factual account of emergency coordination and available support without overstating capabilities in underwriting materials.
Evaluate replacement and recovery
Consider transport, specialized recovery, spare parts and rental availability when reviewing equipment values and extensions. The cost of recovering a damaged unit can differ substantially from its repair cost. Ask how the policy treats those expenses and any location restrictions.
Separate delay from insured interruption
Weather, access restrictions and supply problems do not automatically create an insured business income loss. Review the required trigger and relevant exclusions. Compare contract delay obligations with realistic contingencies and seek legal advice where the contractor accepts broad liability for events beyond its control.
Illustrative review scenario
A remote contractor can purchase a replacement machine quickly, but transport and commissioning take much longer. Its continuity estimate had considered only the dealer’s availability. Review the full recovery sequence and the insurance provisions that may address associated expenses or interruption. Contract delay obligations should be examined separately, especially when access conditions are outside the contractor’s control. Would a replacement machine need specialized transport or site preparation before it could operate? Include those practical dependencies in the review of recovery expense and interruption assumptions rather than considering purchase cost alone.