Construction Insurance

In addition to arranging liability/legal protection/vehicle cover Contractors also need to consider:-

Contract Works - Working on a site, you may find contract conditions make you responsible for the works, materials and plant, including hired-in plant, while on site.  Contract Works covers loss or damage to temporary or permanent works completed or to be completed on a contract site.  Cover automatically extends to include material that will be used in a contract while adjacent to,on the contract site and whilst in transit.

Depending on the nature of your contracts cover can be extended to cover any plant, scaffolding, site huts or temporary buildings that are owned or hired by you.

Contractor's Tools - You may not require full extent of cover available under a Contract Works policy, but your tools are your business.  We can cover you for your hand tools and power tools in the event of a  loss, theft or accidental damage.  This cover also extends to include tools while in transit or left in your vehicle, if agreed security criteria has been set.  Cover is also available for hired equipment.

Contractor's Joint Indemnity (21. 2.1 or similar) - This cover is in respect of expense, liability, loss, claim or proceedings which the employer may incur or sustain by reason of damage to any property.