In Denmark, construction all risks insurance covers damage in connection with a construction. It is an 'all risk' insurance, which means that most damage is covered unless directly excluded in the insurance terms. However, primary damage is not generally covered. As several players in the construction industry demanded coverage of primary damage, the London Engineering Group (LEG) introduced the so-called 'LEG3/96' coverage. This article examines challenges associated with LEG3 coverage in Denmark.