Public Liability Insurance for Construction and Trade
When you are carrying out your work, you will naturally always do your best to care for the property, or site that you are working at, as well as the people who are working around you.
However, on occasion, even with the greatest care and attention, accidents can happen. It is for these instances that you want to feel reassured that you and your business won’t be financially affected as a consequence.
Public Liability Insurance provides indemnity for legal liability in the case of:
Accidental death and/or bodily injury to third parties; and/or
Accidental loss or damage to third party property, arising out of the company’s business.
The limit of indemnity chosen applies to each and every occurrence, unlimited in the period in respect of public liability, but applying in the aggregate in respect of products or pollution.
Our insurance products are designed just for construction and trade workers, both companies and individuals. Choosing the right policy is essential to give you peace of mind in your business operations.
Employers Liability Insurance for Construction and Trade
Having Employers Liability Insurance is a basic requirement of law. It provides an indemnity against your legal liability to pay compensation for bodily injury, death, disease or nervous shock sustained by employees of the company arising in the course of employment.
Costs and expenses in defending an action against you, payable as part of your limit for this Section
Compensation for court attendance at £250 per person, per day, or £500 for directors/partners
Injuries to working partners or proprietors
Indemnity to principal
Health & Safety at Work etc. Act 1974 defence costs
Data Protection Act 1998 compensation for distress to employees
Unsatisfied court judgements
Corporate Manslaughter defence costs £1m
Injuries arising from war or terrorism, but limited to £5m and further sub-limited to £1m in hostile territories, being a territory designated by the Foreign & Commonwealth Office as one:
a) to which personnel are ‘advised against all travel to’
b) that personnel should leave having designated the territory ‘advised against all travel to’.