25. LIABILITIES, INDEMNITY AND INSURANCE
25.1. The Contractor shall provide Contractors All Risk Insurance for the Works and further cover necessary to fully comply with sub-clauses 25.2 to 25.7 inclusive.
25.2. The Contractor shall be liable for and shall indemnify the Owner against any liability, loss, claim or proceeding in respect of any injury, loss or damage whatsoever to any property real or personal insofar as such injury loss or damage arises out of, or in the course of or by reason of the execution of the Works provided always that the same is due to the negligence omission or default of the Owner or any person other than the Contractor for whom the Owner is responsible.
25.3. The Contractor shall be liable for and shall indemnify the Owner against any liability, loss, claim or proceeding whatsoever arising under any regulations or court decisions in respect of personal injury to or death of any person whomsoever arising out of or in the course of or caused by the execution of the Works provided always that the same is due to the acts, omission or default of the Contractor or agents or of any sub-contractor or agents or of any sub-contractor or agents and provided further that the indemnity hereby given shall not be defeated or reduced by reason of any acts, omission or default of the Owner or any person other than the Contractor for whom the Owner is responsible.
25.4. The Contractor shall maintain insurance under a Contractor’s all Risk Insurance Policy and upon such terms and conditions as agreed or required by the Owner. Such insurance shall be in the joint names of the Contractor and all sub-contractors and shall cover the whole of the Works, including any temporary works and materials on or adjacent to the Site for which the Contractor or subcontractors are responsible. The sum insured shall take into account, but not be limited to:
25.4.1. the full amount of the Contract Sum;
25.4.2. an amount not less than the cost of demolitions; and
25.4.3. the cost of the consultant fees.