Building Contractors / Carpenters / Roofers: Insurance Options We know insurance can be a hassle and we aim to make things easy for our clients by having access to the best insurance products for your trade at the keenest rates. We check the policy wordings to ensure that they comply with the Building Contractors requirements & are Construction Industry Federation approved policies. What you need to know about Public, Products & Employers liability is below:
Public & Products Liability for Building Contractors
Public
liability insurance is designed to cover your business in the event
that you are sued by a third party who feels that they have suffered a
loss as a result of your negligence. It covers your legal liability to a
third party in the completion of a Building contract. Even if you did
not act negligently and subsequently no damages were awarded you could
still have a large legal bill to pay.
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| Examples of possible Building Contractors claims
are: Any type of poor installation or workmanship that gives rise to a
claim, an employee getting an injury during work i.e. fall from ladder,
injury from manual handling etc, damage to property on client site,
accidental hit to underground cables /mains, third party accident on a
client site due to your negligence etc. Sole Traders must be sure to keep their
Public Liability cover in force, because in the absence of insurance,
they can be personally held liable for damages awarded against them. |  |
Insurance Features that we can offer: - Limits of €2.6m or €6.5m
- Indemnity to Principal & Project Supervisor Construction Stage Cover
- Automatic Indemnity to County Councils
- Specialist Clauses: Non-vitiation, joint assureds, subrogation waiver
- Attractive excesses starting at €750 (on some policies)
- Personal Accident cover for insured
- Legal Expenses Cover
Employers Liability for Building Contractors, Carpenters & Roofers
Employers Liability Insurance protects your business against your legal liability for injury, illness, disease or death of any employee under a contract of service. Current statistics show that employers in trades are more likely to have a claim under their Employers Liability Insurance, than their Public Liability. Having Building Contractors EL cover in place and a broker you can rely on to ensure the covers are good is crucial.
Commercial Vehicles
We have great rates for commercial vehicles for all trades. Contact 071 9620193 for a quote. We also can provide quotes for your Income Protection, Life Cover, Pensions & any other insurances or financial services you might require.
As independent insurance brokers in business over 52 years, we search the market for you, giving you access to numerous insurers and giving you confidence that you have the market covered and are getting excellent insurance services.
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