We have experience in construction site losses, from earth-moving equipment to cranes, including fires, breakdowns, collapse, even vehicle-equipment collisions. Construction site losses have a few things in common. Construction sites are not fool-proof environments: There are a lot of risks and sites are manageably safe only when those risks are managed properly. The equipment is typically durable, very capable and fuel-powered. In the winter, fuel-powered heating appliances are in common use in building construction. Schedules are tight so any unexpected loss sets back the schedule for the entire project. Access, particularly to highway construction sites, can be limited. When losses occur they may have greater consequences, both in the magnitude of the physical loss and the additional claimed damages flowing from schedule disruptions. We have experience with the following claimed loss types on construction sites: