GET YOUR DESIGN BUILD CONTRACTORS INSURANCE
GET THE RIGHT COVER AND PROTECT YOUR BUSINESS
OUR INSURERS
Always ensure that you are protected from claims; you never know when a job will go wrong with disasterous consequences for you and your business.
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Setting up your own company as a building contractor, or offering your construction services on a self-employed or soul trader basis can be a great option. Unfortunately, as well as being potentially lucrative and rewarding, design and build construction can also be extremely hazardous: not only is there potential for your activities to cause harm to a third party, there's also the chance that your clients will sue you for work they're not happy with, or your employees will sue you for negligent practices! You might even find that your van gets stolen, or the contents is taken.
Design build contractors' insurance is a suite of insurance products which covers building contractors against most of the common risks they are likely to encounter. At constructaquote.com, we are able to provide a number of products that can provide the cover design build contractors need. From initial planning work through to project implementation and post-construction snagging and maintaining, our insurance products ensure you're protected. Ask us about our public liability insurance!
If you complete building work of some kind in exchange for money, the likelihood is that you will need some form of insurance. Here at constructaquote.com, we have design build contractor insurance products which are suitable for soul-traders, self-employed workers, companies and owner-operators who also employ workers.
Given that design build contractors work in a hazardous environment and are often engaged in high-risk activities, it's recommended that as many activities as possible are suitably covered.
If you're not sure what insurance products you need, give us a call at constructaquote.com and we'll be happy to help you go through your options. Briefly, we suggest considering the following insurances as a minimum if you're a design build contractor business or similar:
- Public liability insurance: it's not just your client and your workers who are exposed to hazards whilst you're working; members of the public could be adversely affected as well. Public liability insurance covers you against claims from people or companies who feel you've caused them harm.
- Employers' Liability insurance: if you have employees, it's important to provide a safe, fair working environment for them. If they have an accident at work, they may well try to sue you, claiming that you have acted negligently. Employers' insurance can protect you in the event of such a claim.
- Vehicle and contents insuring: if you use a van for work, particularly one that's full of tools and equipment, insurance is vital!
The normal limits are £1m, £2m or £5m. This can be extended up to £10m or more if required.
As an employer in the UK, you’ll need to protect yourself and your company against claims of negligence brought by an employee. It’s a legal requirement for you to take out employers liability insurance cover to insure against liability for injury or disease to your employees arising out of them working for you.
Before insurers quote you a premium for your contractors' all risk policy, they will first consider a number of factors in order to determine what kind of risk you are.
Such factors will include the scope, value, location and duration of the work you will be undertaking.
