There are many insurance options which would benefit your construction business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. This is purchased as part of our comprehensive automatic package for construction companies, which also covers you for financial loss, legal expenses, products liability and accidental death.

Construction workers constantly battle with high-risk situations every day on the job, so ensuring your business is safeguarded from potential claims is an absolute must. While public liability insurance is key for those working in construction, contractors’ all risks insurance is actually one of the most important covers for your line of work. Contractors’ all risks insurance includes a range of benefits, from covering all ongoing work on site to covering any hired-in plant or machinery. It could come in great help if, for instance, a fire elsewhere in the property damages your work, or any equipment is stolen from the site. For subcontractors, the rules are slightly different, but you will need to ensure that they have their own comprehensive cover in place.

Other relevant insurance policies for a construction business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance.

You will be covered by Tradesman Saver’s construction liability insurance from the moment you pay for your policy, giving you cover with a minimum indemnity limit of £1 million, with optional increases to £2 million or £5 million if required.

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Construction insurance isn’t actually one single policy, but the shorthand name for a series of covers under one umbrella. Together, they provide cover for construction workers in case of any accident or injury to you, your team, or any members of the public, as well as property damage both on and offsite. Taking out a construction liability insurance policy from Tradesman Saver gives you full cover across all necessary types of insurance. While they’re not legal requirements,  they are strongly recommended by the industry as a way to keep your company safe.

Why do you need construction insurance?

Even the most seasoned professionals within the construction industry aren’t immune from potential danger. The possibility of accidental damage or injury to your team, or a member of the public, can be financially disastrous if you’re not covered by a comprehensive policy. Construction insurance offers peace of mind to workers and clients alike that, in the event of an unexpected accident or harm to people or property, anyone affected will be entitled to the compensation they deserve. Scroll down now to receive an instant free quote.

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