Making sure you have the right business insurances as a contractor or commercial business owner is important, but with so many products protecting so many different trades within the Construction industry, it’s hard to know where to start.
Builders, tradesmen and construction workers are at the very heart of what we do. You’re in a risky business, and you need insurance that properly protects you. At Quote-It, you can build a tailored policy, choosing from a range of key covers and combining them into a single policy with a single premium, and just the one renewal date. Quick, quality cover, without the hassle.
Why choose Construction and Tradesman Insurance from Quote-It?
If you’re an independent tradesman or construction contractor working in the UK, we have tradesman insurance options tailored to suit you. We offer a flexible approach to provide the cover that best suits your construction and maintenance business, as well as a fast and fair claims service to minimise any interruption to your operations.
What does insurance for tradesman and contractors cover?
As a UK construction company or self-directed constructor, you’ll be covered for public and products liability with many more optional covers available, so you only pay for what you need. Through our construction and tradesmen public liability insurance we arrange cover for:
- injury to clients or members of the public, or damage to their property as a result of your business activities
- injury to clients or members of the public, or damage to their property as a result of any products you install
- financial loss by any third party as a result of your work, including defective workmanship
- failure to secure clients’ premises, loss of their keys or unauthorised use of their phones
Construction professional indemnity insurance
Because you provide a professional service to clients, you could be at risk of being challenged on the work you deliver. It could be the overrunning of a project which means an event can’t go ahead as planned, or a product that you’ve sourced that turns out to be not fit for purpose. If a client brings a claim against your business for compensation, you’ll want a professional insurance policy in place that defends and protects you. It’s tailored to the needs of consultants or small businesses carrying out design activities and can help protect you against the cost of settling or defending a client’s claim that there is a problem with the work you have done for them.
Contract Works Insurance
Contract Works Insurance covers the works in progress on a construction site for almost any eventuality, such as fire, flood, storm, malicious damage and theft. For example, if you are building an extension to a house, a Contract Works policy will insure the new works as it is being erected, as well as the materials and fittings.
A Contract Works insurance policy can also be extended to include the below assets, as well as these aspects being available in their own right:
- Plant that you own
- Plant that you hire in
- Your tools
- Your employees tools
- Temporary buildings
This type of insurance is also an increasingly common requirement necessary for you to meet the terms of a contract.
Tradesman Insurance: What types of trades do we cover?
As a skilled tradesman, you need a versatile insurance policy that will cover you across multiple jobs. Every job in unique and comes with its own set of risks. Here are a few examples of the independent construction and trade contractors that our tradesman insurance protects:
- carpet and flooring contractors
- heating and ventilation contractors
- kitchen and bathroom fitters
- landscape gardeners, timber decking and paving contractors
- painters, decorators and plasterers
Large construction projects offer significant business opportunities but this thriving industry can also represent complex business, operational and event risks. Our team is made up of construction industry specialists, and as a result we have very strong relationships in the Lloyd’s. Where required we can also draw on the expertise of other teams including environmental, professional indemnity, real estate, and credit and surety – ensuring you receive the most suitable insurance package possible for your business. Tailored insurance policies designed for the construction industry
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*For any enquires outside of business hours, please contact your Account Executive directly.