Liability Insurance for Asbestos Contractors
Asbestos is classed as a High-Risk trade in the insurance industry, which means asbestos removal insurance for licensed and non-licensed works needs a specialist broker rather than a standard policy. Whether you carry out a small amount of asbestos removal as part of wider contracts, or your business is built around it, Construction Insure sources asbestos contractors insurance built around what you actually do.
Asbestos insurance can be split in two categories, licenced and non-licenced works. Whether you only do a small amount of asbestos removal as part of large overall contracts or in isolation, we can tailor a policy to meet your needs.
- Non Licenced Asbestos Removal
- Licenced Asbestos Removal
- Demolition Insurance
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What Asbestos Insurance Covers
Asbestos is a toxic chemical, can be life threatening and causes environmental health risks where you live and work.
Asbestos contractors insurance is built around two legal requirements: Public Liability and Employer's Liability (if you have employees). Cover levels for Asbestos Public Liability Insurance are typically 1, 2 or 5 million, with 10 million for Employers' Liability.
Beyond the legal minimums, a proper asbestos removal insurance policy should also cover:
● Contractors' All Risk, for damage or theft to materials and plant on site
● Legal expenses, for disputes connected to your asbestos work
● Professional Indemnity, if you provide surveying, sampling or advisory work alongside removal
● Business Interruption, for loss of income following an insured event
So whatever area of Asbestos Removal Liability Insurance you are involved in, we will work with you to establish what you should and shouldn’t be covered for you, giving you a few options, with the result being a bona-fide policy which will insure your Asbestos company adequately.
For Further information please call us on 0208 958 6868
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Working in potential Asbestos Environments
It is not only Asbestos contractors who need to disclose if they are carrying out asbestos works, it could also be a trade like Demolition contractor’s insurance, who risk being exposed to asbestos when tearing or stripping down a building. A demolition contractor will carry out an Asbestos Survey initially and if there is Asbestos contained in the structure they are demolishing then they will need to make sure they are covered for this if they decide to remove it.
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Demolition Contractors and Asbestos Insurance
The norm is for a demolition contractor to let us know that they could be involved in asbestos removal which is usually of the non-licensed asbestos nature and in this case, we would usually add it as a small percentage of works carried out in their policy make-up. We would also need to be notified if they were to get an asbestos contractor in as a bona fide sub-contractor, to carry out any licensed asbestos removal and we would again add this in as a percentage of business activity type, which would usually be less than 2 percent of turnover.
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Non-Licensed Asbestos Removal Insurance
Non-licensed asbestos removal insurance is for contractors who occasionally encounter asbestos-containing materials as part of wider work, rather than specialising in it. This covers activities like removing floor tiles, textured coatings or asbestos cement sheeting, where the risk is lower and doesn't require an HSE licence.
Non-licensed removal insurance is generally easier to place and comes at a lower premium than licensed cover. If your business is mainly plumbing, roofing, demolition or a similar trade and asbestos removal is only a small part of what you do, this is usually the right route, added as an extension rather than a standalone policy.
Licensed Asbestos Removal Insurance
Licensed asbestos removal insurance is for contractors who hold an HSE licence and carry out higher-risk work, such as removing asbestos insulating board or asbestos insulation. This type of asbestos contractors insurance carries higher policy limits and more stringent underwriting requirements, reflecting the scale of risk and the training, equipment and controls involved.
If you're a reputable, claims-free contractor with a track record in licensed work, this shouldn't be a barrier to getting competitive terms, but insurers will want to see your experience and safety record before quoting.
Asbestos Insurance FAQs
Yes. Most standard public liability and contractors policies exclude asbestos-related work entirely. If any part of your business involves asbestos, licensed or non-licensed, you need a policy that explicitly includes it.
Licensed cover is for HSE-licensed contractors carrying out higher-risk work such as removing asbestos insulating board, and carries higher limits and stricter underwriting. Non-licensed cover is for lower-risk work like removing asbestos cement sheeting or floor tiles, and is generally cheaper and easier to place.
In many cases, yes. If asbestos removal is a small part of a wider trade like plumbing, roofing or demolition, we can usually add it as an extension rather than requiring a standalone policy.
At minimum, Public Liability and Employer's Liability (if you employ staff). Most contractors also add Contractors' All Risk, and those offering advisory or surveying work should consider Professional Indemnity.