Members News

InTouch Newsletter September 2020

Which projects no longer need a building consent? From 31 August 2020, some building projects no longer need building consents. These new exemptions include a number

September 21, 2020

Employee or contractor?

It pays to get it right at the start Are you thinking of taking on more staff, and trying to decide whether you need an

September 16, 2020

Builders need to reach for the Cloud

Builders who want to improve their businesses using tech often ask us: “what is the Cloud?” Our answer is simple: “the Cloud will help you

September 11, 2020

Health insurance for your business

Special NZCB member health insurance packages Putting employees’ wellbeing first means they feel valued and encouraged to bring their best selves to work each day.

September 10, 2020

Auckland Council Update September 2020

Building Bulletin Inspections Protocols Please note: Building inspectors are receiving numerous requests to download specific health and safety apps from various construction sites to enable

September 7, 2020

New Halo Guarantee going live 1st October

Dear Member, I would like to thank you for your patience and I can appreciate that it has been extremely difficult for many of you

August 26, 2020

NZCB InTouch – August 2020

Revere Volume Four Submissions are now open for Revere Volume Four AND to add to the excitement we are proud to present the new

August 22, 2020

NZCB Covid-19 Update – 17th August – New COVID-19 laws – Construction

Dear Member Here is some further information explaining the new Alert Level Laws [Public Health Order] brought into force to respond to alert level 3

August 17, 2020

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NZCB Covid-19 Update – 17th August – New COVID-19 laws – Construction

August 17, 2020

Dear Member Here is some further information explaining the new Alert Level Laws [Public Health Order] brought into force to respond to alert level 3

Covid-19 Alert Level 2 & 3 – Health & Safety Protocol Reminder

August 12, 2020

Dear Member New Zealand’s Alert Levels will change at 12 noon on Wednesday 12 August. Your Alert Level will depend on where you are in

Apprenticeship Support for Employers

August 11, 2020

The Government has recently announced a variety of initiatives to fund both the training of apprentices and assist employers to attract new and retain existing

Why first home-buyers should build instead (Part 1)

August 3, 2020

We know building can be a scary process, even more so if you’ve never owned a home before. So we’ve talked to our NZCB regional

Introducing Auckland Committee Members

August 1, 2020

I would like to introduce to you some of our current Auckland Committee Members. In Auckland, each Committee member is responsible for looking after a

Halo Guarantee update 29th July 2020

July 29, 2020

At the recent Annual General Meeting we announced a decision by the NZCB Board to progress with the development launch of a Halo 10 Year

Let’s talk about erectile dysfunction and prostate cancer

July 21, 2020

Date: Tuesday 28 July 2020 Time: 7.00pm – 8.00pm Where: Online Webinar Guest Speakers: Dr Giovanni Losco | Consultant Urologist Sharon Wilson | Physiotherapist, Restore Physiotherapy Topic: Prostate cancer

InTouch July 2020

July 15, 2020

Revere Volume Four Submissions are now open AND to add to the excitement we are proud to announce the very new and exciting “Revere Accredited”

NZ Certified Builders appoints new Board Chair and Vice Chair

July 14, 2020

NZ Certified Builders Association (NZCB) announces the appointment of career builder Mike Craig as its new Board Chair, succeeding professional director Kevin Sceats who has

What our builders really think about scrapping consents on ‘low-risk’ projects

July 1, 2020

The Government recently announced it would scrap consents for low-risk building projects from August to free up the construction sector for higher value work. We’ve

Revere 3

June 24, 2020

Revere is an NZCB publication designed to showcase the outstanding work of their members. Produced bi-annually, the Association believes some of New Zealand’s most inspiring

New In-House Halo Guarantee Scheme

June 24, 2020

Dear Member, At the Annual General Meeting of NZCB held earlier this week I provided an update of our progress in securing a replacement underwriter

The latest Issues of REVERE and InHouse magazines are OUT NOW!

June 22, 2020

Keep an eye on your letterbox for the latest issues of REVERE Volume Three and InHouse June/July. NOTE: These will be together in one package

InTouch eNewsletter June/July 2020

June 18, 2020

NZCB Update Website Security Due to the increase in SPAM worldwide during COVID-19, NZCB has now removed all Business Member email addresses from your listings

Government Wage Subsidy Extension

June 17, 2020

The Government Wage Subsidy Extension scheme has now been developed and applications for the extension opened on Wednesday 10 June 2020. Based on information on

Ways Inland Revenue can help your business at this time

June 17, 2020

If your business is struggling to meet its tax payments at this time, there’s plenty of ways Inland Revenue can help. If you’re having difficulty

Men’s Health Week

June 17, 2020

15th – 21st June 2020 This is a great time for New Zealand men to have a think about their health and consider how important

Our NZCB Builders discuss the best place to start a renovation

June 1, 2020

With all our time spent inside over the past couple of months, and businesses now opening up again, no doubt you have a few renovation

NZCB InTouch May 2020

May 27, 2020

Members Survey | NZCB Post COVID-19 Survey We’re keen to find out how your business is going post the COVID-19 lockdown. We would really appreciate

NZCB Online Training May 2020 – by Jason McClintock

May 21, 2020

Monthly education prepared by Building Trade Professionals Building Trade Professionals is NZCB’s education and training programme. Designed so you can source information online when it suits

Kāinga Ora (old Housing NZ) Tender Opportunity for NZCB Members

May 15, 2020

Residential Property Retrofit Building Contractor opportunity for Retrofit Works for Kāinga Ora – Homes and Communities residential properties. The Retrofit Programme involves contracts for the

Covid-19 Update – 12th May Alert Level 2 – Health & Safety Protocol Update

May 12, 2020

Dear Member After the 4pm announcement yesterday the NZCB National Support Office team are excited to announce that after having a skeleton staff in the

Covid-19 Update – 7th May – Government assistance programmes

May 7, 2020

Covid-19 Business Support Did you know you can apply for a $5000 grant to get professional help with your business? Growth Partners have set up

NZCB Covid-19 Update – 5th May – Final Webinar with Tony Alexander, Members Next Zoom, Survey

May 5, 2020

Dear Member, Here is hoping this is our final full week at Alert Level 3. But I guess we will know more on Monday. I’m

Five ways to renovate for more room

April 30, 2020

Wow, what a weird month it has been. With us all spending a lot more time at home, you’ve probably looked around and considered a

NZCB Covid-19 Update – 30th April – How banks will be lending in the future – Tony Alexander Interview

April 30, 2020

Dear Member I trust that if you have decided to get back to work, you are finding working in a slightly different world, different but

Board Elections: Call For Nominations 2020

April 29, 2020

Dear Member, A gentle reminder that nominations close on Monday 5th May. In terms of the NZCB Constitution, the election process for two Member Director

COVID-19 Update 24th April – Zoom Meeting Recap, Economist commentary Tony Alexander

April 24, 2020

Dear Member, By now you will be well underway organising all your Health & Safety Control Plans based on all the information we’ve pooled together

Covid-19 Update – 22nd April – Residential Protocols Updated, Employment Matters

April 22, 2020

Dear Member Thank you for all your kind messages of encouragement this week. The NZCB Team are working hard to keep you informed and get you

NZCB Covid-19 Update – 20th April 2020 – Alert Level 3 and what this means for you

April 20, 2020

CLICK TO VIEW NZCB Chief Executive Covid-19 Level 3 Announcement Dear Member I do hope you and your families are all well in these difficult

NZCB Covid-19 update – 16th April – Government Assistance for Business, Restructure Process, Geoff Hardy Webinar

April 16, 2020

Dear Member Today the Government announced new guidelines as to who may be returning to work at Alert Level 3, when the current Alert Level

Restructure process – Covid-19

April 13, 2020

What do I do First Always check your employment agreement to ensure that you follow all steps required as outlined in the agreement. Is there

NZCB Covid-19 update – 8th April – Update your business listing, Reminder how to get LBP Points

April 8, 2020

Dear Members It’s great to hear this morning that New Zealand is heading in the right direction with the number of cases of Covid-19 being

NZCB Covid-19 update – 6th April – Government guarantee backed bank loan scheme

April 6, 2020

Dear Member, Government continue to announce a number of initiatives to help companies and sole traders get through this current situation. I’ve outlined some of

NZCB Covid-19 update 1st April – Business Help, Wage Subsidy for Company Directors, NZCB 22nd AGM & Conference update

April 1, 2020

Dear Members, Hello and welcome as we are moving into the first complete week of the Covid-19 Level 4 lockdown. Some further information on a

Is community living the next big thing?

April 1, 2020

Over summer a team of NZCB members’ travelled to United States to attend the NAHB International Builders’ Show (IBS) held at the Las Vegas Convention

NZCB Covid-19 update 30th March – Latest wage subsidy update, Contracts Works Insurance, Essential Services Work Templates

March 30, 2020

CLICK TO WATCH LATEST VIDEO ON WAGE SUBSIDES by Grant Robinson, Finance Minister Which subsidy do I apply for? The NZ government have now rolled

12.1	Part G of the Schedule contemplates that the Parties will elect who is responsible for arranging the contract works insurance. If the Parties have not made that election or if their intention is unclear, then the Owner must arrange contract works insurance if the Building Work involves changes, alterations, renovations, restoration, repairs or maintenance to existing structures, and the Builder is responsible for arranging contract works insurance if the Building Work involves constructing an entirely new stand-alone structure. Irrespective of who arranges the contract works insurance, the excess on a contract works claim is payable by the Owner. Given that such insurance typically expires on Practical Completion, the Owner must ensure that the Building is insured from that point onwards.
12.2	The amount insured must be at least as much as the Original Contract Price, plus an allowance for Owner-supplied materials, expediting expenses, removal of debris, professional fees, increased costs during construction, increased costs during reconstruction, and materials in storage (off the Project site). Unless otherwise agreed, the allowances for these items shall be those shown in Part G of the Schedule, and if no allowance is made in that Part for any item then the allowance must be reasonable in the circumstances.
12.3	The Owner must arrange contract works insurance against loss or damage to the Owner’s existing structures made available by the Owner to enable the performance of the Building Work, or existing structures adjacent to the Building, and to the Owner’s contents. This insurance must be for the full replacement value, and for consequential loss arising from loss or damage to those structures and contents.
12.4	The Builder must arrange public liability insurance for loss or damage to any property, or illness, injury or death to any person, that arises from the performance of the Building Work.
12.5*	In the event of loss or damage to any part of the Building which is not caused by the Builder or any party for whom the Builder is responsible:
	a.	The Builder is not required to carry out any restoration work at the Builder’s own expense.
	b.	The Builder will restore all loss or damage to the Building and the restoration work will be treated as a Variation.
	c.	The restoration work will be paid for from the proceeds of the contract works insurance.
	d.	If the delay in confirming insurance cover after loss or damage to the Building has occurred is such that the Builder can no longer reasonably afford to maintain spare capacity to perform the Building Work when required, the Builder may suspend the Building Work as if clause 20.2 applied, and if the Builder has not cancelled the contract in the meantime, the Builder shall not be obliged to resume the Building Work until the Builder’s commitments reasonably allow for a resumption.
12.6	If this Contract is completed on-line, and either Party has selected the option to apply for a contract works policy marketed under the “REDi” brand, then an application for such a policy will be automatically generated from the information entered into the Schedule of this Contract.
12.7	The insurance broker responsible for arranging the REDi contract works policy and the underwriter(s) to whom the application is submitted together with their respective representatives or agents are authorised to obtain from, and disclose to, any other party any information they consider relevant to the assessment of the application for the policy.
12.8	For the purpose of section 12 of the Contract and Commercial Law Act 2017, the provisions in this Part 12 are intended to create obligations enforceable by the insurance broker and the underwriter(s) referred to in clause 12.7 and their respective representatives or agents, whether or not they are parties to this Building Contract.

4.1	This is a building contract in which the total price payable for the Building Work is not fixed, specified, or known at the time of entering into the Contract. Instead, the progress payments and the Final Contract Price are to be calculated by reference to the actual costs incurred by the Builder in carrying out the Building Work, plus a Margin for the Builder’s Off-site Overheads and profit. The Parties may have chosen to enter into this form of building contract for any number of reasons, including that it is too difficult for the Builder and/or the Owner to accurately predict the precise scope of the Building Work at the outset, or the Building Work involves innovative systems or materials the cost of which is largely unknown, or to avoid the administrative burden of having to recalculate a fixed contract price each time a component of the work changes, or simply because it is their preference to do so. While this inevitably involves some uncertainty as to what the Final Contract Price will eventually amount to, it has the advantage that at the conclusion of the Building Work the Owner will have become liable to pay no more and no less than the value of the Building Work and materials the Owner has actually received.
4.2	The progress payments and the Final Contract Price payable to the Builder shall therefore be calculated by reference to the hours of work expended by the Builder and the Builder’s employees and contractors in carrying out the Building Work, plus the materials and other direct costs incurred by the Builder in carrying out the Building Work, using the rates set out in Part F of the Schedule. Onto those amounts shall then be added the Margins for the Builder’s Off-site Overheads and profit, calculated by reference to the percentages shown in Part F of the Schedule.
4.3	The Builder shall be entitled to charge for and recover all costs that the Builder would not have incurred but for the Building Work, and that are reasonably necessary to carry out the Building Work to the standard required by this Contract, plus the relevant Builder’s Margins. Those costs include (without limitation):
	a.	The Builder’s own labour and labour performed by the Builder’s employees and contractors.
	b.	Products or services from subcontractors or specialist trades.
	c.	Professional advice such as architecture and engineering.
	d.	Building materials and consumables.
	e.	Hireage of tools, plant, equipment, appliances or vehicles.
4.4	The cost of labour shall be calculated using the labour rates set out in Part F of the Schedule, or where no rates have been specified in any particular case, at the prevailing market rates for the personnel in question. The labour rates set out in Part F of the Schedule apply to normal working hours and days, and in calculating working hours no deduction shall be made for work breaks that are reasonably necessary for the consumption of food or beverages or to ensure the continued health, safety, productivity and efficiency of the relevant personnel. Where in order to comply with the Builder’s obligations under this Contract it is reasonably necessary for the Builder and/or the Builder’s employees and subcontractors to carry out Building Work outside of normal working hours or on weekends or public holidays, and the Builder is required to pay penal or overtime rates as a result, those penal or overtime rates shall be included in the calculation of the cost of the Building Work.
4.5	All the costs of the Building Work apart from labour shall be calculated by reference to the invoice issued to the Builder for the relevant item, or if no invoice was issued, by reference to what the Builder actually paid. Where such costs cannot be separately identified or accurately ascertained through timesheets, invoices or otherwise, the cost of those items shall be calculated having regard to the prevailing market price for the relevant items.
4.6	The rates set out in Part F of the Schedule shall be adjusted for any increase in the rates charged by subcontractors that could not reasonably have been foreseen by the Builder at the time this Contract is signed by the Builder, and which would otherwise have the effect of eroding the Builder’s profit margin. The Builder must be able to substantiate the increase by reference to written evidence such as quotations, communications or invoices from the relevant subcontractor, clearly demonstrating the rates that were first advised to the Builder when Part F of the Schedule was completed, and the rates subsequently charged. The Builder shall whenever reasonably practicable, resist any rate increases and procure subcontracts on the basis of fixed rates that cannot be increased during the course of the Building Work.
4.7	If any of the subcontractor rates set out in Part F of the Schedule decrease for any reason (other than rebates or discounts provided to the Builder as a result of such factors as loyalty, volume of business, enticement to form a new or long term trading relationship, or membership of a trade association or cooperative company), the decreased rate(s) shall be used in the calculation of all progress payments and the Final Contract Price from the time that the decrease takes effect.
4.8	Either prior or subsequent to the Parties entering into this Contract, the Builder may have given or may give to the Owner or the Owner’s representative(s) an estimate, indication, projection, guess, intimation, prediction or similar communication (together referred to as an “estimate”) as to what the Final Contract Price or any component of it is likely to turn out to be. It is common for building owners to request an estimate and it is common for builders, in good faith and out of a desire to be helpful, to comply with that request, or indeed to offer an estimate unsolicited. The Parties acknowledge that even the most carefully calculated estimate can in hindsight prove to be grossly pessimistic or optimistic, and it is impossible for the Builder to accurately predict what the final outcome of the Project will be, given that so many factors are outside the Builder’s control.
4.9	The Parties have chosen this form of contract rather than a fixed price contract because they have agreed that the Final Contract Price will be determined by the hours of work and the materials and other direct costs that are ultimately involved, and the margin applied to those items. By definition, those hours and those costs cannot be known in advance. The Parties therefore expressly record that any such estimate that may have been or may be provided by the Builder – assuming the Builder used the term “estimate” or some reasonably equivalent expression – shall only represent the Builder’s best guess, based on the Builder’s experience and what the Builder knows about the Project itself to date. The Builder agrees to take reasonable care in calculating any estimate that may be given, and to keep the Owner regularly informed, by the provision of periodic invoices or otherwise, of the amount paid and payable to the Builder in respect of the Building Work at any given time.
4.10	A price estimate is fundamentally different from an undertaking, promise, commitment, statement, assurance, warranty or representation (together referred to as a “representation”) that the total contract price will amount to, or will not exceed, a stated or fixed sum. If the Builder has given such a representation, then that will bind the Builder in accordance with its terms. However the representation must be reasonably inferred from the wording used. For example if either of the Parties has, without full knowledge of the legal significance, mistakenly described an estimate as a “quote” or used some other wording that might suggest a representation that would be enforceable in law, then that will not constitute a representation if the Parties did not intend it to have that effect.

13.1	Part H of the Schedule contemplates that the Parties will elect who is responsible for arranging the contract works insurance. If the Parties have not made that election or if their intention is unclear, then the Owner must arrange contract works insurance if the Building Work involves changes, alterations, renovations, restoration, repairs or maintenance to existing structures, and the Builder is responsible for arranging contract works insurance if the Building Work involves constructing an entirely new stand-alone structure. Irrespective of who arranges the contract works insurance, the excess on a contract works claim is payable by the Owner. Given that such insurance typically expires on Practical Completion, the Owner must ensure that the Building is insured from that point onwards.
13.2	The amount insured must be at least as much as the Original Contract Price, plus an allowance for Owner-supplied materials, expediting expenses, removal of debris, professional fees, increased costs during construction, increased costs during reconstruction, and materials in storage (off the Project site). Unless otherwise agreed, the allowances for these items shall be those shown in Part H of the Schedule, and if no allowance is made in that Part for any item then the allowance must be reasonable in the circumstances.
13.3	The Owner must arrange contract works insurance against loss or damage to the Owner’s existing structures made available by the Owner to enable the performance of the Building Work, or existing structures adjacent to the Building, and to the Owner’s contents. This insurance must be for the full replacement value, and for consequential loss arising from loss or damage to those structures and contents.
13.4	The Builder must arrange public liability insurance for loss or damage to any property, or illness, injury or death to any person, that arises from the performance of the Building Work.
13.5	In the event of loss or damage to any part of the Building which is not caused by the Builder or any party for whom the Builder is responsible:
		a.	The Builder is not required to carry out any restoration work at the Builder’s own expense.
		b.	The Builder will restore all loss or damage to the Building and the restoration work will be treated as a Variation.
		c.	The restoration work will be paid for from the proceeds of the contract works insurance.
		d.	If the delay in confirming insurance cover after loss or damage to the Building has occurred is such that the Builder can no longer reasonably afford to maintain spare capacity to perform the Building Work when required, the Builder may suspend the Building Work as if clause 20.2 applied, and if the Builder has not cancelled the contract in the meantime, the Builder shall not be obliged to resume the Building Work until the Builder’s commitments reasonably allow for a resumption.
13.6	If this Contract is completed on-line, and either Party has selected the option to apply for a contract works policy marketed under the “REDi” brand, then an application for such a policy will be automatically generated from the information entered into the Schedule of this Contract.
13.7	The insurance broker responsible for arranging the REDi contract works policy and the underwriter(s) to whom the application is submitted together with their respective representatives or agents are authorised to obtain from, and disclose to, any other party any information they consider relevant to the assessment of the application for the policy.
13.8	For the purpose of section 12 of the Contract and Commercial Law Act 2017, the provisions in this Part 13 are intended to create obligations enforceable by the insurance broker and the underwriter(s) referred to in clause 13.7 and their respective representatives or agents, whether or not they are parties to this Building Contract.

9.1	The Builder shall commence the Building Work within a reasonable time after:
	a.	the Contract has been signed by both parties; and
	b.	any deposit payable in accordance with clause 7.2 has been paid; and
	c.	any necessary Building Consent or resource consent or other requisite consents or licences or consent amendments have been issued.
9.2	Unless otherwise agreed in writing between the Parties, the Owner shall obtain all project information memoranda, Building Consents, resource or other consents or licences, and consent amendments required for the Building Work.
9.3	The Owner shall promptly provide all information reasonably required by the Builder to enable the Builder to comply with the Builder’s obligations under this Contract, whether prior to the commencement of, during the performance of, or after the completion of the Building Work.
9.4	The expected completion date stated in Part B of the Schedule shall be automatically extended by a reasonable time where delays arise due to:
	a.	Variations;
	b.	Any strike, lockout, or other industrial action;
	c.	Loss or damage to the Building Work other than loss or damage caused by the Builder’s breach of its obligations under this Contract;
	d.	Flood, volcanic, or seismic events;
	e.	Inclement weather;
	f.	Failure to obtain consent or approval through no fault of the Builder;
	g.	Failure by the Owner to give timely directions;
	h.	Unforeseen physical conditions;
	i.	The Builder exercising its right to suspend the Building Work under this Contract;
	j.	Act, omission or default by the Owner or any person for whose acts or omissions the Owner is responsible;
	k.	A separate contractor’s act or omission;
	l.	Unavailability or shortage of materials;
	m.	Any other event which is beyond the reasonable control of the Builder and for which the Builder is not responsible.

7.1	The Builder is not obliged to commence the Building Work until any deposit payable in accordance with clause 7.2 has been paid.
7.2	The Deposit shall be paid by the Owner upon signing the Contract. The Deposit shall be held by the Builder and applied towards payment of the final invoice, or as provided by clause 20.9 or clause 21.4. The Deposit is therefore not to be treated as a progress payment. If the final invoice is less than the Deposit then the Builder shall pay the Owner the balance of the Deposit upon issuing the final invoice.
7.3	The Owner shall make progress payments to the Builder for Building Work completed and materials supplied, including any adjustments for Provisional Sums, cost fluctuations or Variations, up to the end of the applicable period or stage of work. The payments shall be made into a bank account provided by the Builder via internet banking or direct deposit, unless the parties agree on a different payment method.
7.4	Where the parties have agreed to progress payments at completion stages (Option A in Part E of the Schedule) the Builder may issue an invoice at any time after a relevant stage of completion is reached. If a completion stage cannot be reached due to matters beyond the Builder’s reasonable control, and one month has elapsed since the previous invoice, the Builder may invoice for the proportion of that completion stage that has been reached.
7.5	Where the parties have agreed to progress payments at the end of defined periods of time (Option B in Part E of the Schedule) the Builder may issue an invoice for the Building Work completed up to the end of each such period. Any invoice issued in advance of the end of the relevant period (other than a final invoice) shall be deemed to have been issued on the last working day of that period.
7.6	The Owner must pay the invoiced amount in full within 5 Working Days of the invoice being delivered or sent to the Owner or such other time as is stated in Part F of the Schedule. If the Owner does not consider that all or any part of the invoiced amount is payable, the Owner must, within 5 Working Days after the invoice was delivered or sent to the Owner:
	a.	reply in writing to the Builder stating the amount that the Owner considers payable (the undisputed amount), and
	b.	specifying the reasons why any part of the invoiced amount is disputed, and the method in which the disputed amount has been calculated; and
	c.	pay the undisputed amount.
7.7	If the Builder’s invoice is or is accompanied by a payment claim made under the CCA, then any payment schedule as defined in section 5 of that Act must be provided to the Builder within 5 Working Days of the payment claim being served on the Owner.
7.8	The Owner shall pay progress payments on the due dates, irrespective of when the Owner’s bank or financier is prepared to advance any monies required by the Owner in order to meet the Owner’s payment obligations under this Contract. It is the Owner’s responsibility to ensure that sufficient funds are available to comply with the Owner’s payment obligations under this Contract. The issue of a Code Compliance Certificate is not a prerequisite to Practical Completion or the Builder’s entitlement to payment of the final invoice.
7.9	The Owner may at any time request the Builder to provide a receipt or statement recording or evidencing the payments received from the Owner.
7.10	The Parties will comply with their obligations (if any) under Subpart 2A of the CCA (which requires certain retention monies to be held on trust or otherwise secured) to the extent that Subpart 2A applies to this Contract. The purpose of this provision is to ensure that an adjudicator appointed under the CCA or an arbitrator appointed under the Arbitration Act 1996 has jurisdiction to make a determination in respect of any such obligations, as if they were expressly incorporated into this Contract.

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12 Insurance

4. Calculation of Progress Payments & Final Contract Price

13 Insurance

9. Commencement and Completion of Work

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7 Invoices and payments

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