Home Construction Industry & Specialist Covers
Construction Industry
If you trade in this sector you have special needs of insurance policies, often dictated by principle contractors, for which we can find the right solutions in a professional and efficient manner. Cover can be placed quickly upon receipt of instructions and we can normally provide confirmation by return email.
The core covers are Liability, Contract Works and loss or damage to owned and hired-in plant and equipment. Additionally you may require Professional Indemnity, Materials and Tools in Transit, Vehicle insurance and cover for unoccupied properties.
We have packages for all sizes from the sole trader through to the medium to large contractor, including all related occupations and you can rely on us to look after your insurance requirements so that you can look after your other business interests.
Our specialist schemes enable us to provide cover for firms involved with Scaffolding, Roofing, Demolition, Groundworks and Piping, Steel Erection, On-site Steel Fabrication, Cranes and Towers, Mobile Cranes, Heating and Ventilation, Plumbing, Plant Hire, Civil Engineering, Lifts, Rail Engineering, Waste collection and processing, Window Cleaning, Abseiling, Industrial Cleaning, Commercial Ovens.
Specialist Covers
A growing number of businesses require additional protection against litigation arising from customers, employees and the general public, normally not covered under a standard liability policy.
Professional Indemnity
If you are involved in the IT sector, a consultant, designer, personnel service, trainer and the like, you have increased exposure to claims from dissatisfied or injured parties. Contractors are increasingly required to have indemnities required under collateral warranties cascaded down from the principal contractor. One of our indemnity insurers offers a contract review service where each new contract you are faced with can be presented for a legal review to ensure that you have adequate cover in place to meet all your obligations, now and in the future.
Directors and Officers
Any director, manager, supervisor or employee with staff responsibilities of a limited company has a potential for legal action to be brought against them for failing to do their job in accordance with certain laws.
Examples of this include:
A creditor suing a financial director that allows a company to trade whilst technically insolvent; an individual taking action against a personnel officer for failing to deal with racism, sexual harassment or sex discrimination within the workplace; an injured party claiming against the nominated Health and Safety officer for failing to provide a safe system of work.
We can provide an indemnity against such claims.
Commercial Legal Expenses
There are many sources of potentially crippling claims that can be brought against all businesses. These can emanate from the Inland Revenue, Customs and Excise, Health and Safety, Data Protection Act, other government departments, trade competitors, landlords, neighbours, etc., etc.
The cost of legal representation or providing detailed accounts to suit the revenue can be enormous. Our solution is to put an insurance policy in place to cover these costs, which can be extended to cover contract disputes or legal actions brought against the firm by aggrieved employees.