Liability, contract works, tools and professional cover for specialist trades and contracting businesses.
Contractors often combine labour, products, plant, subcontractors and occasional design responsibility. We identify how the work is delivered before recommending the covers to consider.
Accurate activity descriptions prevent a generic policy from becoming an expensive misunderstanding.
Availability and scope depend on insurer acceptance and the terms offered for your business.
Core protection for covered injury and property-damage allegations arising from declared work.
Relevant for goods supplied, installed, repaired or maintained after the work has left your control.
Physical work, hired-in plant, owned plant and tools can be considered to match the business's contracts.
Important where the contractor designs, specifies, surveys, advises or assumes a professional duty.
They help insurers understand the balance of activities, labour, subcontracting and product exposure.
Policies may impose height, depth, location or activity restrictions. Your maximum exposures must be declared.
Tell us about unusual indemnities, collateral warranties, design responsibility and contracts materially larger than your normal work.
Tell us what you do, what needs protecting and when the policy renews. We'll take it from there.