If the Employer enters high levels of deductibles in the Contract Data, why might tenderers insure all or part of the deductible amount?

NEC3 and NEC4 Contracts Risk and Insurance
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If the Employer enters high levels of deductibles in the Contract Data, why might tenderers insure all or part of the deductible amount?

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Since the Contractor will bear the cost of the deductibles (or excess) regardless of who affects the policies, it makes sense for a tenderer to insure against this cost.