Tradesmen and Construction

Whether you are a small local tradesman, a partnership or a company working in the construction industry you will require some of the insurance covers listed below. For a Sole Trader or small businesses of up to 5 employees a package policy is available providing Public Liability, Employers Liability (if required), legal expenses, tools of trade and contract works.

Usually covered under a Contractor’s Combined policy the following sections are included:

• Employers Liability
  This is a legal requirement for all companies employing staff and covers your legal liability to pay compensation to employees for bodily injury, illness or disease arising from business activities.
  
• Public Liability
  This should be considered a high prioirity and covers your legal liability to pay compensation for bodily injury, illness or disease (other than to employees) or loss of or damage to third party property arising from your business activities at or away from your business premises.
  
• Property Insurance including Stock and Contents
  This should also be considered as a high priority and covers buildings, stock and contents against loss or damage as a result of fire, theft, or a range of other perils. The policy can often be extended to include "accidental damage" cover and also cover for items temporarily removed from the insured premises.
  
• Loss of Profits
  This section of your policy provides for loss of gross profit and additional costs of working, following loss or damage at your insured premises.
  
• Money
  This section of your policy provides cover against loss of money belonging to the company, but excludes losses arising from dishonesty of your employees.
  
• Goods in Transit
  This section of your policy provides cover against loss or damage to goods belonging to the company (or for which they are responsible) whilst they are in transit.

We also recommend:

• Products Liability
  This covers your legal liability for bodily injury, illness or disease or loss or damage to third party property arising from products sold or supplied.
  
• Contract Works
  This policy provides cover for the works/temporary works, existing property, retained facades, completed private dwelling houses, materials (including free issue), site huts, temporary buildings, contents and materials stored off site for inclusion in contracts or works.
  
• Fidelity Guarantee
  Covers a company against fraud or dishonesty of employees.
  
• Motor Insurance
  This is a legal requirement for companies operating motor vehicles and covers third party liability arising from operation of a motor vehicle and can be extended to include fire, theft and accidental damage.
  
• Motor Legal Expenses
  This covers legal costs incurred in pursuing a third party for "uninsured losses" (policy excess and/or car- hire charges) following a non-fault motor accident.
  
• Group Personal Accident and Sickness
  Provides death, injury and disablement benefits for employees/principals following an accident or illness.
  
• Group Medical Insurance
  Provides employees/principals with access to private medical treatment in the event of illness.