We can offer bespoke Contactor and Building company covers for firms big or small. Due to the high risk of many tasks involved in these trades it is crucial you have the appropriate level of cover.
Some of the trades we can help with but are not limited to are:
- Builders
- Scaffolders
- Electricians
- Plumbers
- Carpenter
- Groundworkers
- Fencing
- And More
What covers do I need?
Contractors come in many different forms and sizes with differing levels of risk and cost involved. This is the same for insurance policies, which often require a tailored approach, particularly for larger or more complex risks.
Some examples of covers you may require and what they are for are:
- Public Liability
Covers legal costs, compensation, medical fees and repair claims if members of the public, suppliers or clients incur an injury or property damage because of your business.
- Employers Liability
Indemnifies employers to pay compensation for claims made against them by employees.
- Business Interruption
Covers the loss of income that a business suffers after a disaster.
- Professional Liability
Covers you if you make a mistake during your work that causes financial or reputational loss for the client.
- Legal
Protects a company from the cost of defending itself in the event someone brings a claim against them.
- Commercial Motor Fleet
Protects you if you use a car or van for work purposes and can be used to insure 2 or more vehicles on one policy.
- Plant
Cover for losses incurred, for both your own plant and hired-in equipment you are using, should it be damaged or stolen.
- And others
What to watch out for?
As with any insurance policy, it is crucial to make sure all information is detailed and an accurate representation of your company. This is very much the case for Contractor and Construction trades where limits on aspects such as Height, Depth, Hazards, Heat, and Materials are often implemented which insurers need to be made aware of to ensure appropriate cover is in place. Failure to do so can cause your policy to be void should a claim occur.
