A quick guide to construction insurance 

Clarke Williams Insurance Brokers are specialist liability and indemnity insurance brokers for the construction industry. Below is a short guide to the different types of insurance that may be required or maintained in connection with a construction or engineering project.

Public and Public Liability Insurance 

Who needs Public Liability Insurance? Employers, Contractors and Subcontractors.

What does Public Liability Insurance cover? It covers you for bodily injury to third parties or property damage which arises in the course of your daily  activities,  for example damage to a client’s premises or neighbouring property whilst you are undertaking work. Nowadays, it is becoming more prevalent for Contractors to be asked to have enhanced limits for their Contractors Liability Insurance and at Clarke Williams we can provide Public Liability limits from £1,000,000 to in excess of £10,000,000.

Employers Liability Insurance 

Who needs Employers Liability Insurance? It is a legal requirement for all employers within the UK to hold this cover and the minimum statutory limit is £5,000,000 however most insurers provide £10,000,000 as standard.

What does Employers Liability cover? It covers you for liability arising from employees who sustain an injury or illness during the course of their employment with you. Cover should be provided for all employees, temporary workers and labour only subcontractors.  

Contract Works Insurance 

Who needs Contract Works Insurance? The Employer, the principal contractor and subcontractor 

What does Contract Works Insurance cover? The insurance protects against physical damage to works and site materials that you were contracted to undertake. It covers the works in the course of construction before it is handed over to the principal or employer on practical completion. It can pay to repair or to redo the work that is in progress if its damaged by an insured event like fire, flood, storm, vandalism or theft and includes both the permanent and temporary works. 

Professional Indemnity Insurance 

Who needs Professional Indemnity Insurance? Anyone who provides advice or has design responsibility, even if this is subcontracted to another party.

What does Professional Indemnity Insurance cover? Professional Indemnity covers legal costs and damages including rectification costs in relation to alleged errors in the design or the construction of project. 

What Trades Do We Cover?

As liability insurance specialists with over 50 years experience in the industry, we have put together solutions with a range of insurers which allow us to provide cover for the vast majority of trades,  below are a few examples of the type of contractors that we work with:

• Building Contractors
• Property Developers
• Cladding Contractors
• Scaffolding Contractors
• Steel Erectors
• Electrical Contractors
• Heating & Ventilation Contractors
• Refrigeration Contractors 
• Refurbishment and Shop Fitters 
• Clean Room Construction
• Flooring Contractors 
• Glazing Contractors
• Roofing Contractors
• Building Services Contractors
• Hazardous Location Contractors
• Renewable Energy Contractors
• House Builders
• Bricklayers
• Ground-workers 
• Landscape Gardeners
• Plasterers
• Refurbishment Contractors
• Flooring Contractors
• Painters & Decorators
• Mechanical Engineers
• Pipe fitters
• Carpenters 
• Home Automation Contractors
• Electrical Contractors
• Lift Engineers

If you would like a quotation for Liability, Indemnity or Contract Works Insurance email info@clarkewilliams.co.uk or call 01732 252 898 and we’ll be happy to provide you with competitive terms.