Without a first class insurance agent there’s no insurance and no tender.
This is the biggest problem with insurance for turnkey contractors. The tenders for such projects are usually commissioned by public institutions and they contain specific demands for Contractors All Risks insurance
, and compliance with these demands is a precondition to every tender, without which the bid will be disqualified.
In most cases winning the tender involves providing an undertaking to provide an insurance policy and a certificate of insurance which are compliant with the demands of the tender immediately after winning the tender (which can sometimes contain quite onerous requirements). These demands can translate into higher premiums for the insurance policy or the refusal of the insurance to confirm the conditions required by the principal.
This is the precise reason why you need a professional and experienced insurance agent.