This potentially leaves the opportunity for there to be both:
Gaps in the cover - for example, the contractor may fail to arrange adequate insurance or breach their policy
conditions,
Grey areas in the event of a claim with two sets of insurers (and possibly loss adjustors) to negotiate as to
what is contract works and what is part of the original structure.
At the very least, your client loses control over a key aspect of cover that they need to rely on to protect their interests
in the event of a claim.
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