Construction, whether as a contractor, property developer or self-builder is a dangerous occupation and not without risks. Whether it’s property damage, theft of equipment or a workplace injury, we can source appropriate construction, builders’ and contractors insurance to protect you and your clients, from the unique set of risks encountered in your everyday trade. You need adequate protection for yourself and any third parties. We appreciate that you are busy, so we are on hand to make it quick and easy to get the appropriate cover you need.
This type of insurance is there to cover risks on a construction site, building or renovation project, with the core areas covered being; legal liabilities, machinery, plant & equipment and potential financial losses if something goes wrong as you go about your daily job of work.
What You Need to Know About
Construction, Contractors & Builders’ Insurance
It includes a range of different covers such as:-
Public Liability
Protect your business against accidental injury and property damage claims, from customers, the general public, suppliers or visitors. It protects you against compensation claims should a third party be injured, or their property damaged because of the actions of your business. It also offers legal protection against defending a claim against you.
Note that it does not cover accidents that happen to you, damage to your own property, employee claims, fines or penalties or environmental claims. We can, however, look at these situations separately.
Professional indemnity insurance
Covers defence costs for any claims against you if you are liable for a mistake or proven to have given wrong advice, and also cover any subsequent defence compensation payments, which can be large.
Employers’ liability insurance
A legal statutory requirement if you have someone working for you. It provides cover for work-related injury or illness claims from your employees, including temporary staff and volunteers.
Contracts works insurance
Covers regular building and construction site work if disasters like storm, flood, or fire cause damage, or you are hit by theft or vandalism. You are financially protected so you can restore the project to its pre-damage status and safeguard against further losses.
Machinery and plant insurance
Cover for owned or hired-in plant, equipment and tools.
What Makes Us Different?
You’re a part of our virtuous circle of giving. This means when you take out a Construction, Contractors & Builders’ Insurance policy with us, it enables us to give even more to our communities.
As part of the Benefact Group, we’ve given to local charities including Libraries Unlimited, Hands Up For Down’s, Musical memories Choir, and Foothold Cymru.
Why Local
Businesses Choose Us
Community-Focused Insurance
We care about protecting local businesses in our area. We understand the challenges and opportunities you face.
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Know Us
In an online world, nothing beats expert advice from a real person. You get to speak to the same people whenever you need to get in touch.
Insurance
With a Heart
We’re part of the Benefact Group who give all available profits to good causes.