Contractors insurance policies offer a menu of covers from which you can choose and are normally aimed at businesses with a turnover under £250,000 covering up to typically 10 employees.
Cover might include:
Public liability cover for Tradesmen and builders protects against injury or death of third party persons and damage to third party property from incidents arising as a result of your business activities. Employers Liability will cover you against claims from Employees following Injury or Accidents at Work
If your turnover exceeds the £250,000 limit you will need to be covered under a contractors policy, with additional covers for:
And much more……
Contractors cover is important for both sole traders and businesses with employees. Public liability insurance is the backbone of the policy, and is complemented by a range of other covers which can provide protection for other aspects of your business. For example your tools can be covered, as can stock, buildings or hired in plant equipment. It also can provide Employers Liability cover for your employees and/or labour only sub-contractors, which is required by law.
Just give our expert advisors a call. We will go through the information required by our insurers, and answer any questions you may have about your cover. We may ask you to complete a short proposal form if necessary.
Once we have the information from you we will approach our partner insurers to obtain the most competitive quotation with the widest cover. Each of our clients have different requirements in terms of time so however urgent it is we will work with you to meet deadlines.
