Can participation in construction insurance costs be considered a fraud?

General contractors look for savings and transfer costs related to the construction to subcontractors. Sometimes these are even the costs of third-party liability insurance. Formally, it is permissible, but under condition that the premium is transparently divided and the participation covers only the share proportional to the value of works of a given subcontractor. In the case of “overparticipation”, subcontractors can oppose such a division and even fight for the reimbursement of overpayments made.

An article by Jacek Olma is available on the website Prawo.pl: 
https://www.prawo.pl/biznes/nadpartycypacja-w-kosztach-ubezpieczenia-jak-odzyskac-nadplate,501727.html