Whether you’re a self-employed contractor, run your own business and manage a team of staff, or you work for a construction company, it's important to be fully covered against the hazards and risks that come with the construction trade.
What are your responsibilities for site management, environmental protection or project delays? Can you cover your own costs and that of any staff if the build is postponed; who pays the wages? If these kinds of things give you sleepless nights then getting the right type of insurance cover could be the equivalent of a hot, steaming mug of Ovaltine!
If you’re a builder, scaffolder, welder, electrician or joiner, your health, tools and personal safety and the saftey of others are paramount. This is why the right amount of trade cover is also paramount. Our useful business insurance guides and our online comparison tool will hopefully help in your seach for the right cover, while potentially saving you some money at the same time.
Is your plant covered? What about hired-in equipment? Construction tools can be expensive to replace, especially if they're not yours in the first place. the specialist insurance providers on our panel know the risks associated with the construction industry, so you don’t have to worry about replacing stolen or damaged equipment. Accidental damage cover can usually be included in standard cover so you don’t have to take the hit for a mishap.
We can help you get to grips with liability insurance, indemnity responsibilities, personal accident cover and much more so you can understand exactly what you need without wasting pounds on a policy that provides expensive cover you’ll never use.
Think about what’s important to you – should disruption occur, you'll probably need to keep working, so a policy that covers replacement tools and equipment following theft, income guarantee if you’re injured on-site and can’t work and cover that pays your legal costs in the event of a third-party claim could be essential to your livelihood.
Read more in our business insurance guides or get a quote now.