Site Clearance Insurance
Site clearance insurance with public liability cover
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Public Liability Cover for Site Clearance
Site clearance insurance includes public liability insurance as standard. This provides you with protection in the event that your work causes damage or injury to your client, a member of the public, or the property you’re working in. Site clearance has the potential to uncover unexpected dangers on a site, which means that you will need to take every step to reduce any potential damage to a client’s property. Claims being made against your business, or yourself personally as the business owner, will have a considerable impact on your bottom line. Public liability insurance saves you from having to worry about that, with your insurer making sure you’re not responsible for paying for the consequences of these mistakes. Public liability comes as standard as part of a liability insurance package.
Site Clearance Insurance: What can be included in your policy?
To ensure you receive the best possible cover for the most affordable price, you’ll find everything you may possibly need in your policy, including:
- Public & Products Liability up to £5 million
- Employers Liability at £10 million
- Contractors All Risks Insurance which provides cover for
- Contract Works
- Owned Plant
- Hired-in Plant
- Employees’ Tools
- Essential Legal Expenses at £100,000
What is site clearance insurance?
No matter where you are, site clearance is an essential and often forgotten step which must be undertaken before any construction or demolition work can begin. This requires the use of heavy machinery to ensure the land is ready for foundations to be built, including uprooting trees and other vegetation, as well as debris removal to completely prepare and clear the site. In the event that any of your business’s actions cause property damage, or harm members of the public, having site clearance insurance in place can save you from having to pay out of pocket for any claims made against you or your business.
Why do you need site clearance insurance?
From digging up plantlife to removing rubbish and waste which may contain dangerous chemicals or substances like asbestos, there’s no telling what you might uncover while clearing a site for demolition or construction, especially in older buildings. This is particularly perilous to members of the public and if someone finds themselves affected by materials found during your site clearance, insurance prevents you paying huge sums in compensation. Although this is done with a view to making the site safer, debris removal insurance can save you from the repercussions of finding anything hazardous whilst clearing a site up for reconstruction.
Do you need your own insurance for site clearance?
This insurance also saves you from having to rely on any contractors or third parties while giving you the exact cover you need. Even if nothing hazardous is found onsite, machinery such as bulldozers which are regularly used during your work to move large quantities of debris may also lead to damage being sustained to the public or to the site itself. This won’t be a concern with site clearance insurance, which protects you from facing financial damages as a result of injury to you, your staff or the public, as well as property damage. This insurance is also well worth purchasing before you begin work on a new site, giving you immediate cover.
How our site clearance insurance works
Complete the online quote form on our business insurance website – Brisco Business Insurance
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Site Clearance Insurance: Frequently Asked Questions
How much is site clearance insurance?
We require supplementary information from anyone applying for site clearance insurance, which will help to determine the final price of your policy. This includes the experience of you and your staff, whether you work alone or in a team, and the size of your projects. The cost will also be affected by whether or not you need any further covers beyond our standard policy, such as employer’s liability insurance or personal accident insurance.
How long does site clearance insurance last?
Most policies are valid for a year and can be renewed annually, depending on the circumstances of your business. If a claim is made by a third party against you, it is essential to have proof of your insurance cover being in place at the time of the incident, so be sure to have your site clearance insurance documentation stored in a safe location.
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