Construction Workers Insurance
Please be aware our construction workers insurance on-line comparison form is designed to be as simple and quick to use.
Construction Workers Insurance policies are available for:
- Public Liability up to a limit of £5 million.
- Employers Liability at a limit of £10 million.
- Tools and business equipment (optional)
- Contract works, tools, own a and hired in plant (optional)
- Personal accident (optional)
- Commercial legal expenses (optional)
Our basic Construction Workers Insurance policy can cover you for Construction Workers Public Liability Insurance and Construction Workers Employers Liability Insurance if you have people working for you.
Why do you need Construction Workers public liability insurance?
As a construction worker you’ll know there are risks associated with construction sites, be they new construction or demolition projects, site renovation and refurbishment. Regardless of how aware you are there is always the unfortunate possibility of an accidents occurring. Should a member of the public be injured due to the activities taking place on your site, or has taken place on the site, you would likely be exposed to a claim with associated costly legal litigation.
Similarly, should property be damaged, the legal costs and compensation would have a serious adverse effect on you and your business. We all work to minimise our business outgoings, however investing in Construction Workers Insurance for public liability is a smart investment. Our Construction Workers Insurance offers quotes to cover of £1 million, £2 million or £5 million and cover is immediately available to protect your business. These amounts might high, however they are realistic amounts of cover to insure against todays cost of a personal injury claim made against your business, especially if someone was badly injured.
Do you require Construction Workers Employers Liability insurance?
If your business, if your a sole trader this would be you personally, have someone working for you as an employee or even a subcontractor, who is not your direct employee, but is acting on your instruction, you are legally required to have this Construction Workers Public Liability Insurance.
Please click here to see is legally considered your employee. and check this extensive list that you should be aware of.
In addition to Construction Workers Public Liability and Construction Workers Employers Liability Insurance you can include within your Construction Workers Insurance policy cover for tools, hired in plant, and your own plant.
Obviously tools are essential to your work and without them you may be unable to proceed, therefore losing income. Insuring them will enable replacement if they are lost, stolen or damaged. However, always check the terms and conditions of your builders insurance policy as inevitably there will be exclusions such as tools not being covered if left in your van overnight.
Contract Works can be added to your builders insurance and this would cover your build project against theft or damage occurring.
Additionally Personal Accident cover can be included to your builders insurance package, as well as Legal Cover, should this ever be required.