This is what we call the Rolls Royce policy for a contractor. It covers contractors for the entire risk and can combine all different sorts of high risk liability insurance.
For instance if you are doing an extension on a client’s house and there is a fire or a flood on the part you are working on a standard public liability policy will not cover this. An All risk policy would, it covers you for the contract price and contract period, as well as your liabilities /tools and plant.
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You can have unlimited height cover, cover for asbestos removal/piling and ground works.
Plant & Equipment : Contractors All Risk Insurance is designed to provide the very best protection for both owners and hirers of construction plant and equipment, covering both physical loss and damage to the Construction Plant.
Contract value : Contractors All Risk Insurance can also include cover for a contract value. Contract value can be insured to cover loss or damage caused by insured perils. This cover can be vital if you are involved in extensions, new builds, loft conversions, or even where the building works are not yet complete and cannot be covered under a building insurance.
Public and Product liability :Contractors All Risk Insurance can be extended to include public liability cover that will protect you from any liabilities from a Third Party’s (other than your employees) bodily injury or damage to their property that may occur during the normal operation of your business.
Employers Liability : Contractors All-Risk Insurance provides employers liability (if required). If you employ anyone outside your immediate family, you are required by law to purchase Employers Liability insurance. Employers Liability Insurance offers you protection for any liability arising from injury or illness sustained by employees while they are working for you. Your Employers Liability Certificate of Insurance must be displayed in a prominent place within your business.
Public and Product liability :Contractors All Risk Insurance can be extended to include public liability cover that will protect you from any liabilities from a Third Party’s (other than your employees) bodily injury or damage to their property that may occur during the normal operation of your business.
WE DO NOT CUT CORNERS AND WE DO NOT OFFER QUOTES FOR COMPANIES TRYING TO CUT CORNERS, WHO (HAVING BEEN ADVISED BY US) DO NOT TAKE OUT THE SPECIFIC INSURANCE THAT THEY NEED.
Our rates are extremely competitive, with our policies and wordings being nearly always the best out there. Our claims handling is fast and efficient, primarily because we thoroughly go through your needs before we place you on cover and thus there are never any non-disclosures further down the line.
So if you wish to take out a Contractors All Risk policy or simply want to know more you can speak directly with one of our specialist advisors, who in turn will let you know exactly what sort of cover suits the needs of you and your firm.
