Owners and funders require independent eyes on site to ensure that the contractor follows health and safety protocols, quality assurance procedures and contractual obligations. Large projects often have multiple policies – Owner Controlled Insurance Programme (OCIP), Contractors’ All Risks, Public Liability, Advanced Loss of Profits – and insurers need assurance that the risk profile remains stable. Regular monitoring reduces the chance of accidents or defects that could trigger claims.
Proactive performance monitoring
EML Engineers act as the insurer’s and owner’s representatives on site, independently monitoring compliance and performance throughout construction:
- Health & Safety oversight
We verify that the contractor implements site‑specific safety plans, adheres to legislation and proactively addresses unsafe practices. - Quality assurance audits
Our engineers review quality control records (material test certificates, concrete cubes, reinforcement placement) and witness critical activities to ensure construction matches the design. - Programme and sequencing review
By attending progress meetings and site inspections we track whether works are on programme, identify delays and recommend actions to mitigate potential knock‑on effects to insurance coverages such as advanced loss of profits. - Insurer reporting
We provide periodic reports to the insurer, highlighting compliance with policy conditions and any issues that could affect cover. This helps protect OCP, CAR, PL and ALOP policies and reduces claim exposure.
Benefits for clients
Continuous risk monitoring delivers:
- Reduced losses
Early detection of defects or unsafe practices allows corrective action before they lead to incidents or claims. - Improved coordination
Our presence fosters collaboration between developer, contractor and insurer, aligning expectations and avoiding adversarial relationships. - Evidence for claims defence
Should an incident occur, our documentation provides an independent record of compliance and actions taken.