Liability Insurance including Contractors All Risks Insurance

What ever it is that your company does, you will need at the very minimum Employers Liability Insurance to protect your business from claims made against it by employees, this is a legal requirement in the UK and minimum cover is set at £10,000,000.

You should also have Public Liability Insurance to protect you from claims made by the public/third parties. We can cover all types of trades and have the resources to offer as much as £10,000,000 public liability cover if required. Premiums start from as little as £59.00 per year (Subject to trade and limits).

Optional covers include the addition of business equipment and laptops to the policy and for the Construction Industry and allied trades, Contractors All Risks which typically include Contract Works, Own and Hired In Plant & Tools Insurance.

Where required we have the ability to offer depth limits and also unlimited height limits. If you are working railside or airside, we also have facilities to extend cover for this too.

We also have the resources to offer performance bonds and warranties.

Quick quotes can be given as well as fast documentation delivery by email to ensure you get your documents in the quickest of time.

Easy instalments can be offered (Subject to interest and handled by a third party finance provider).

Some typical examples of trades we cover for Liability Insurance include but are not limited too:

• Builders and Allied Trades such as Carpenters, Plumbers, Electricians etc
• Cleaning Contractors including Abseiling Contractors
• IT and Tech Industries
• Estate Agents
• Recruitment Consultants
• Freight Forwarders and Shipping Agents
• Hauliers and Couriers
• Alarm and Security Installers including CCTV
• Glaziers
• Sports, Leisure & Music Industries
• Funeral Directors
• Beauticians and Hairdressers
• Child Minders
• Steel Fabrications
• High Risk trades such as Roofers, Scaffolders and Demolition Contractors
•  And many, many more!!

Tips when buying Public, Products and Employers Liability

Occupation/Trade

Make sure that your occupation and everything you do is stated on the Schedule of Insurance. For example, if you are a landscaper and you also undertake some ground works and fencing then you will need to make sure that the current insurer is aware of this and if necessary, include these occupations in to the schedule. This avoids any problems if there is a claim and everyone is then fully aware of what you are doing.

Height and Depth Limits

If you are working at height or depth, you must inform your insurer or broker. You will need to disclose what limit you require in metres and how you reach these limits, so for Height for example, scaffolding or scissor lift etc.

Sub-Contractors

There are two types of Sub-Contactors and many clients get these confused which can cause all sorts of issues when there is a claim so its very important that you get these right when declaring to insurers, so we detail them here for you.

A Labour Only Sub-Contractor doesn’t have their own insurance, neither do they have their own tools or materials and work under your guidance. They typically do not have their own van/transport for work use. In the eyes of insurers, these are treated and rated as employees. The Employers Liability section would be increased to cover them.

On the other hand, a Bona Fide Sub-Contractor, has their own insurance, tools, materials and works under their own direct instruction and are typically rated less than Labour Onlys.

Heat Work

Any form of heat work must be disclosed to insurers too. This doesn’t just apply to roofers using blow torches but also plumbers and mechanics using welders for example. These are all forms of heat that can carry an elevated risk and so insurers need to be advised so that the policy will include the heightened risk and you and your company are insured correctly. With heat work, insurers generally add Conditions or Endorsements to the policy – please make sure you not only read these through but that you understand them fully and carry them out exactly as required. Failure to do so will usually end up in a claim not being paid which can have devastating effects.