Our Insured 4 Construction insurance can be customised to meet your specific requirements. It covers contract work, hired in plant, own plant, and tools as standard. It can be expanded to include contracting in hazardous or high-risk environments can be obtained from us as your company expands and the need for additional hands arises.
Insurance for contractors is available for high-danger occupations like roofing, underpinning, and scaffolding. If necessary, we can also provide insurance for contract work in dangerous or high-risk environments.
Contractors can choose between limits of up to £10 million for their public liability insurance, and they are also automatically covered for their employers' legal responsibility claims. If you need greater limits for specialised contracting services, we can provide them. We can also provide professional indemnity insurance as a separate policy if that is a requirement of your contract.
No matter what your trade, having the correct insurance cover is vital. Our skilled team will arrange a policy which suits you and the risks you face during your work. We'll identify key areas of cover and ensure you're adequately protected.
Employers' liability insurance covers you against claims made by your employees, in the event of injury or work-related illness. No matter whether your staff work full time, part time, permanent, temporary or voluntary, you legally have to invest in employers' liability insurance.
Public liability insurance covers you for the cost of a claim made against you by a third party, as a result of your work. Due to the nature of your work and the risks a construction site creates, it's important to make sure you're covered.
If you own your plant machinery, having them stolen could bring any project to a grinding halt. Own plant cover will cover the cost of a replacement.
On any construction site, tools are an important aspect. Tool cover will give you the peace of mind that in the event that they are stolen, the cost of replacing them is covered.
Workers' compensation will cover medical expenses and a percentage of lost wages for workers who are injured or fall ill whilst at work. This cover will also provide employee rehabilitation and benefits in the eventuality of death.
Many construction projects will require you to hire plant machinery. Though, if it was to be stolen, you may still end up being charged by the hire company for the item until it is replaced. Hired in plant insurance will protect you from these costs, by providing a replacement.
Personal accident insurance is designed to cover you if you sustain a serious injury. It'll protect both you and your family, from loss of income, bills and other expenses.
Professional Indemnity insurance covers you for legal costs incurred if your business is found to have provided a service that causes a client to lose money.
Product liability insurance covers the costs you incur from compensating anyone who is injured by a faulty product your company designs or supplies.
Contract works insurance covers work that is underway on a site. It can cover the cost of repairing or redoing the work that is currently in progress if it is damaged by an insured event.
Contractors may face legal action for their liability to others for accidental personal injury or property damage caused by their activities. The awards that can be made as a result of a successful claim can be substantial. Unfortunately, even the most frivolous claim can result in financial hardship. This emphasises the significance of having public liability insurance. This covers legal defence costs and compensation awards resulting from accidental bodily injuries and property damage caused to others while working.
Yes, Insured 4 Construction will cover both permanent and temporary construction projects, as well as all materials used on the project, and Plant and Contractors Combined will cover both of the above, as well as Liability insurance.
Employers' liability insurance is a requirement under the law if your business employs people. A penalty may be imposed for each day that your insurance is not in effect.
Yes, as a standard option in our contractors' cover, legal defence costs for liability claims are included. Furthermore, we can arrange Commercial Legal Expenses insurance as an optional extra. The limit begins at £100,000 and can be increased.
We offer a quick and easy direct debit scheme for spreading payment over ten months to help you spread the cost of your premiums. To learn more about Direct Debit, please visit our dedicated Direct Debit page.
If you want to learn more about our monthly payment option, please visit our Direct Debit page.
