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Construction Insurance

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Construction Insurance

If you own a construction company, then having a construction insurance policy in place can help protect you, your business and your employees should an accident of any kind occur.

Construction Insurance

The first thing to know is, that there are multiple kinds of construction insurance out there, and that you need to have the right level of cover in order to be able to work legally and safely.

Public liability insurance - This policy protects against injuries caused to third parties (people who are not employees) and their property. If you work near other people and other people’s property, then this policy will protect against any claims for damages made

Product liability insurance - Similar to public liability insurance, but this provides protection against liability for injuries caused to other people or damage to property that has been caused by products you create, build, manufacture, supply or import. If you undertake any of these activities, and these products are used by people on or off your construction sites, you should consider this cover

Employer liability - This will protect you, as an employer, against claims made by employees for illness or injuries. If you employ others to work for you, then employer liability cover is required by law

Contractors all risk - This kind of policy provides protection against physical damage to site materials and works that you have been asked to undertake. If a contractor causes damage to a property or area that you were hired to work on, then contractors all risk insurance will protect you, as opposed to public liability policies which tends to exclude this kind of damage

Professional indemnity insurance - This protects you against any claims made for damages or losses due to professional negligence or advice given by yourself. If you provide advice or have any kind of design responsibility to construction sites, then consider this policy

Structural warranty - If you build or buy new buildings, structural warranty will provide you with 10 years of protection against ‘latent defects’ in the structure. Although this kind of policy is often purchased by the developer or builder, it will cover the person who purchases the finished building

As you can see with the different kinds of policies available, there is a great deal to consider when looking into construction insurance. Here it is especially important to read all the terms and conditions and to consider what is and isn’t included in your policy.

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Fortunately, we are here to help you build the right kind of policy to suit your specific needs. All you need to do is get in touch with one of our friendly experts who will be happy to guide you towards your ideal policy.

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