If you own, run or manage a construction or building site you will understand what a hazardous place it can be. People, heavy machinery, tools and heights all present high risks that could leave your business exposed to claims. Indeed, the number of fatalities in the construction industry each year is the second highest of any trade sector.
Cover Can Include:
Public Liability cover will protect you against claims for third party injury or damage to third party property arising form your negligence or the negligent acts of your employees. Cover can be extended to protect you if you engage bona fide subcontractors and their policy fails.
Whether your staff are full or part time, permanent, temporary or voluntary, you are legally obliged to take out Employers’ Liability insurance, which protects you if your employees suffer an injury in the course of their employment.
Contractors All Risks
This will cover the cost of repairing or restarting work if the materials are damaged or destroyed whilst the contract is in progress. Cover can be extended to include:
- Your own plant
- Plant hired in, including, if required, liability and continued hiring charges