Contractors Insurance

Construction insure want to help contractors make sure they have the correct insurance cover in place. Whether you are a sole trader with a modest income, or a contractor with a multimillion pound turnover, it’s critical that you declare the correct figures to insurers.

Why do you need Contractors Insurance?

There are so many different types of trades within construction, from relatively simple painting & decorating to building contractors undertaking the erection of entire superstructures. For sole traders or trades who specialise in one aspect of construction, the process of obtaining a policy is straightforward, as long as all the correct figures have been declared. But for larger contractors who take on new builds, renovations or property development, the more outside trades and services you commission, the more you need to control the liability cover of each contractor.

You can’t rely on each of them to be adequately insured. So, whether you’re contracting an electrician, a plumber or a plasterer, scaffolder or roofer you have to make sure they’re fully covered on a like-for-like basis as to the limits on your policy. Otherwise you could find yourself liable for the claim. The logistics of it can quickly become complicated, but we’re here to keep things simple.

Need Insurance? Get in touch today!

Whatever your contractors insurance requirements, please get in touch today for a free no obligation quotation.





GETTING THE RIGHT CONTRACTORS INSURANCE

Why should you use Construction Insure?

We have forty years of experience insuring building projects and we understand the construction industry. But we’re not interested in just taking your money. We want to get to know you as a client and give you the cover we know you actually need. That’s why our clients keep coming back to us. They know we do actually care about doing the very best for them and building a relationship with them.


How will we work with you?

We’ll look at every relevant aspect of your construction project: the timescale, the location, the cost and, of course the figures you are declaring re payments to, manual labour, bonafide contractors and labour only contractors. The more details about your job we know, the better we can help you get the right insurance to cover your build. Then we’ll provide you with the level of cover that fits your project exactly.


How will we work with your contractors?

As well as completely understanding your needs, we’ll also speak to your individual trades and services - with your permission. So we can understand their businesses and the best way to ensure they have the right cover for your construction project and that they are complying with the limits you have on your policy. For instance, you may need Scaffolders, Roofers or Demolition Insurance. The specific insurance will depend on the demands of your project.

How do you get the right advice?

We’ll clearly explain your options - without all the industry jargon - so you’ll understand the insurance cover you actually need. You may also need broad insurance, such as Contractors All Risk, Professional Indemnity or Product Guarantee. Your job is getting the work done. Our jobs is making sure that, if things go wrong, at least financial liability is one less problem for you. To get started, all you have to do is call us on 020 3958 6868 and discuss your project with us.

What type of Contractors Insurance cover will you need?

Here’s a list of the types of cover that’s available and which you might need. Call us on 020 3958 6868 to start talking to us about your requirements.

General Construction Insurance Coverage

  • Employers Liability - £10million
  • Public Liability (no depth or height limits) – £1mil, £2 mil, £5mil, £10mil +
  • Products Liability – £1mil, £2 mil, £5mil, £10mil +
  • Contract Works/Plant All Risks /Contractors all risk
  • Contract Performance Bonds
  • Product Guarantee
  • Professional Indemnity
  • Directors and Officers Liability
  • Legal Expenses and Employment Law Protection
  • Motor Fleet Insurance
  • Property Insurance – offices/yard
  • Right of Light
  • Restrictive covenant insurance
  • Absence of easement insurance
  • Building Warranties

WHAT OUR CLIENTS SAY

" Comparing like with like plus some lower excesses you have managed to save me in excess of £1500 or approximately 15% on my previous insurer. "

- Hew Stevenson, March 2018

" We found you to be more thorough, efficient and reasonably priced than our existing insurer. We would not hesitate in recommending you to anyone."

- Zena Nairi LLB (Hons) June 2018