Contractors and Tradesmen Liability Insurance
At Clarke Williams we recognise the complexities of running your own business and understand the challenges of finding the right cover which not only protects your assets and staff but also complies with industry contract requirements and regulations. From Ground-workers and Roofing Contractors to Glaziers and Engineers, Clarke Williams are here to help.
Our clients include building contractors (whether working as the main contractor or subcontractor to the principal), property developers and specialist construction trades including the more hazardous activities of basements, scaffolding and roofing.
What insurance does a Contractor or Tradesmen need?
Whether you are self-employed or have a team of employees working for your business you need to make sure you have adequate cover to protect you and your liabilities.
Public and Public Liability Insurance 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 can provide Public Liability limits from £1,000,000 to in excess of £10,000,000.
Employers Liability Insurance covers you for liability arising from employees who sustain an injury or illness during the course of their employment with you. . 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.
Contract Works Insurance covers work 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. Permanent works include all unfixed materials, such as bricks, non-ferrous metals and windows delivered waiting to be installed. The temporary works include site installations which are not part of the project, but are required to facilitate its building e.g. site huts, access roads, scaffolding anywhere in the UK.
Construction Professional Indemnity Insurance also known as Design and Construct Professional Indemnity, protects contractors and sub contracted specialists (such as electrical engineers or cladding contractors) for allegations relating to errors in their work or incorrect design.
We can also cater for Hired In Plant, Own Plant, Tools and Commercial Fleet Insurance.
Why Clarke Williams Insurance Brokers?
- High risk trades catered for
- Can include ‘Hot Works’
- We work with insurers who are comfortable with a high proportion of Bona Fide Subcontracted Labour
- We have access to specialist markets that can provide policies with no height and depth limits if required
- Accommodation of high risk locations such as offshore installations, petro-chemical plants, quarries, nuclear and waste sites
- Over 50 years experience and technical knowledge
- We are independent insurance brokers and we only work for you, the customer
- All staff are UK based – No call centres
- Dedicated account managers with specialist knowledge in your industry
Liability specialists today on 01732 252 898
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What additional covers can be included?
We can provide quotes tailored to your business needs, ranging from just Public Liability and Employers Liability to a full business review covering your Properties, Tools, Plant, Fleet, and the directors personal vehicles and homes.
Shop around for the best deals on Contractors and Tradesmen Liability Insurance
On your behalf Clarke Williams Insurance Brokers will obtain quotations from the leading Liability and Contract Works insurance specialists and provide an analysis of the most suitable terms. You can then be confident that you are paying the best possible price for the specialist cover you require.
Can I cover my premises as well?
We can cater for your entire business including your premises and all liabilities associated with this. The products we use are extensive enough to provide protection for the majority of businesses however if a bespoke portfolio is required this can also be arranged.
What Trades Do We Cover?
As a liability specialist 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