With any large-scale building project its imperative you have the right cover to ensure you don’t come into any difficulties.
ALL of our building contractors will have a minimum of £2,000,000.00 public liability insurance. This will give you the safeguard that in the event of any issues or damage to your existing structure, your covered!
Public liability insurance
Construction contracts will typically include a clause requiring the contractor to carry insurance to cover expense, loss, liability, claim or proceedings for personal injury or death arising from the carrying out of the construction works, or loss or damage to property other than the works.
Personal injuries of employees will be covered by the contractor’s employers’ liability insurance, which is compulsory for all employers under the Employers’ Liability (Compulsory Insurance) Act. All firms who employ staff are legally required to hold Employers Liability Insurance.
Personal injury or death, or loss or damage to property of third parties is covered by public liability insurance. Common law claims for personal injury or death, or loss or damage to property can be very significant and are unlimited. The cover provided does not limit the contractor’s liability.
Public liability insurance might cover against claims by:
- Members of the public visiting the work premises
- People living at the home of the building project
- Independent sub-contractors
That is, anyone that the insured interacts with as part of their business, but not employees, temporary staff, students or people on work placements (who should be covered by employers’ liability insurance).
Typically, cover will be between £2 million and £5 million and will insure business premises and activities whist making visits or working on a construction site. Insurance will normally cover:
- Damage to property and possessions (existing)
- Personal injury
- Legal costs, including the claimants’ legal costs incurred by the insured if they are found to be at fault
- Consequential losses such as loss of earnings (including future loss of earnings)
Public liability insurance and employers’ liability insurance are sometimes offered in a single policy which may also cover office contents and buildings insurance requirements.
Why is this important to understand?
With our inclusive bespoke insurance policy, we cover you with, it covers everything from dangerous works, rectification to structure being built in the event of mislaid materials and even the repair / replacement of materials or tools damaged on site.
Our insurance policy