Contractors All Risk Insurance
Contractors’ all-risk insurance policies offer flexibility to cover all construction companies’ needs. All risk coverage can include public liability, contract works, employers’ liability, owned and hired-in plant, product liability and JCT insurance. When purchasing contractors’ all-risk insurance, your business will benefit from choosing a construction specialist insurance broker. An expert will be able to guide your business and ensure that you have all the right policies in place.
What’s included in a contractors’ all-risk policy?
Contract Works
When working on a construction site, contract works will offer protection against any damage which may occur. If you are a contractor on an existing structure, the structure will not be covered and will usually be covered by the property owner. Contract Works insurance covers any loss or damage to property and materials.
Hired-in plant insurance protects your business against any damage which occurs to the equipment you have hired in order to perform your construction work.
Owned plant and equipment insurance protects your business against any damage whilst undergoing your business activities.
Employee tools
The policies include cover for any damage to the tools or equipment belonging to an employee or contractor. Employee equipment cover may vary, so ensuring you have the protection your business needs is vital.
It’s a legal duty for your business to have the necessary employers’ liability policy in place. The cover offers protection for any injury or illness to your employees.
Public & Product Liability
Public liability offers protection if you or your employees cause injury or damage to the property of someone external to your business during your construction work.
With over 30 years in the construction sector, Trinity Indemnity provides your business with expertise and access to all the leading insurers and the best policy wordings.
Other insurance policies you may need for your Contracting business.
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