You will be aware of some of the large awards which can be made against contractors by the general public. Underground cables may be cut, damage can be caused to surrounding property- especially where there is use of heat- and there is always the danger of trips and falls from employees and the public.
If you have employees, including casual workers, or use labour only sub-contractors you will also need Employers Liability insurance. This is essential; not only is it a legal requirement meaning that you could face heavy fines if you are not insured, but you could of course also face a substantial claim in the event of a worker suffering an injury at work.
You may also need cover for loss of your tools and other selected risks. We cater for all types of contracting trades, and the policies we offer can include:
- Public and Employers Liability
- Loss of tools
- Personal Accident cover
- Legal expenses to protect you against contract disputes, tax, VAT and Health and safety investigations, employee disputes and similar legal issues which may affect your business
- Computers and other equipment kept at your office or home