Building contractors face many risks in their jobs and sites can be hazardous. For all building contractors, it is essential to eliminate as many hazards as possible to reduce the risk of harm. While it is important to be as well-prepared and safe as possible, accidents and unforeseen events can happen. For these slip-ups and situations, it is vital to have building contractors insurance in place.
What Does Building Contractors Insurance Do?
Building contractors insurance helps to protect contractors from the risks associated with the site and work. A tailored insurance policy for your business needs will give you the financial protection and to cover the cost of issues that could potentially devastate your business. For building contractors, a single mistake could spell disaster, but with insurance in place, you know help is at hand.
What Does Building Contractors Insurance Include?
You can tailor building contractors insurance to suit the specific needs of your business. Typically, aspects of insurance for building contractors include;
Public Liability – Protect injuries or damage to third-parties as a result of your work or site. This can protect anyone who isn’t involved in your business but suffers damage, injury or loss as a result of it.
Employer’s Liability – This is a legal requirement for businesses who employ staff or contractors for a job. This provides cover in case a worker claims damages if they suffer injury or damage to property while working for you.
All Risks – All risks can protect your business if the job you are working on suffers damage before completion. As the name suggests, it covers all risks to a building contractor, such as theft and damage.
Personal Accident – This protects the business owner with regular income if they face an injury or are sick and cannot work. Typically, this only comes into force after seven days of illness or injury.
There are also many other aspects you can include in your cover such as legal expenses, professional indemnity and financial loss insurance.
Do you have questions about Building Contractors Insurance?
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Working in construction is one of the most high-risk occupations and this increases further when you begin working at height. Roofers are a prime example of workers who put themselves in high risk positions every day. The unique nature of this role means insurers offer specialised roofers insurance for your peace of mind and safety. Many insurers offer a select range of different covers under a single policy for your convenience too. At Just Quote Me we can provide a range of roofers insurance quotes to give you plenty of choice.
Arranging your Roofers Insurance
You may or may not know the type of insurance cover you need within your roofers insurance policy. Most roofers will want their cover to include:
- Public liability insurance: the key type of insurance for most businesspeople. Public liability insurance protects your business against the costs of a claim made by a third party. Whether they claim they were injured due to your work or that their property was damaged.
- Employers’ liability insurance: this type of insurance is the only compulsory kind in the UK. If you have a single employee, even on a casual or temporary basis, you must have employers’ liability insurance. It provides financial protection when an employee or ex-employee makes a claim of injury or illness due to working for you.
- Tool and machinery insurance: the equipment used in your every day work can be expensive and if it is damaged or stolen, your business it at risk. Tools, plant and/or machinery insurance provides financial compensation should either theft or accidental damage occur.
- Personal accident insurance: the high risks of working at height as a roofer make personal accident insurance a popular addition to roofers insurance policies. It will provide financial cover for lost earnings and medical costs after serious injury.
The types of insurance relevant to your business will be unique. Furthermore, you must consider other elements of the business too. Some contractors may want to look at more comprehensive policies for a wider range of construction workers. Sometimes it seems like investing in additional insurance cover is just another way of spending valuable business capital. However, if a claim is made against you, you’ll be happy the cover was in place.
Roofers Insurance with Just Quote Me
At Just Quote Me, you will deal with our specialist insurance advisors from day one. All advisors are dedicated to finding the best quotes for every client. We regularly work with construction companies and individuals providing a choice of insurance options for them. This includes many high-risk workers, such as those looking for roofers insurance. We appreciate every business has individual needs and can discuss your requirements before looking at quotes if you simply request a call back. Alternatively you can contact us directly through our website.
Working at height makes any job high risk and this is especially through or scaffolders. Working at height presents many risks and this is why specialist scaffolders insurance is recommended. Scaffolders insurance can be made up of a range of different covers, protecting you against different potential risks and claims. Many insurers allow you to build your own policy dependent on your needs, all under a single premium.
What does Scaffolders Insurance include?
One of the most important types of insurance for scaffolders is public liability insurance. It helps protect you and your business should a third party (such as your customer) be injured or their property damaged due to your work.
Scaffolders who employ others even on a casual or temporary basis need employers’ liability insurance. This is a legal requirement and there are hefty fines possible if you do not have adequate cover for your employees. It will cover any claim from an employee or ex-employee. Without this insurance in place you are breaking the law if you employee even a single individual.
Considering the high-risk nature of scaffolders’ work, you may also want to consider personal accident insurance. It’s a type of cover all construction workers consider. It will cover medical costs as well as loss of earnings which come after a serious injury. No one wants to think about the worst happening but when working at height is key to a profession, it is prudent to do so.
Scaffolders Insurance with Just Quote Me
Just Quote Me specialise in helping professionals and businesses find the right insurance for their needs. This includes many in the construction industry, such as scaffolders. We work with you to find affordable scaffolders insurance quotes, offering a range of options to suit various budgets, business sizes and circumstances. Fill out your Quick Quote form today or request a call back from our specialist advisors.
Builders Public Liability Insurance – Looking to compare Builders Insurance?
At Just Quote Me our Quick Quote facility allows anyone to compare Builders Insurance or Building Company Insurance in a few minutes. You will get some of the best rates and covers available in the UK today!
What Insurance do Builders and Building Companies need?
Well to start with they need Builders Public Liability Insurance, Builders Employers Liability Insurance and then after these two core covers they can also add, Tools cover including overnight cover, Goods In Transit Insurance, or they can opt for full Contractors ALL Risks Cover to cover their tools and materials in trade whilst working on a project or job where they are responsible for the work in progress materials until the job is finished and signed off. Then it becomes the responsibility of their customer to insure.
Many Builders either don’t insure this risk or are not fully aware of what this cover insures and if they haven’t been advised correctly, then they may not be correctly insured and if they are on a big job where a theft has occurred, the potential loss of materials and plant and equipment could be catastrophic.
Our Builders Insurance experts are at hand following initial contact or quote to fully advise you of what covers are right for your specific company or individual needs so contact us today and get the right cover for the right premiums.
Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325