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A quick reminder of the problem..

Most people believe they have all the cover they need because they and their suppliers have insurances across a range of risks.

But each of these policies cover the risks differently with different levels of excess and exclusion.

The result is you are probably paying for duplicate cover you will never need, or you are under insured but will only find out when you try to make a claim; whereas IPI covers all the risks once!

Equally the pace of change continues to ramp up

  • Organisations have become more fragmented and specialised to keep pace

  • Industry is attempting to rectify this through integration and collaborative working

  • Current methods, contracts and insurances are designed to ‘protect’ against [perceived] business risk

  • This reinforces the fragmentation


  • This is most evident in the “chasm” between design and construction