Compare Construction Contractors Insurance

Do you own a construction business? Is your business protected by the right insurance policy? Construction contractor work can be hazardous. There’s no getting around it. You just never know what the day will hold, especially in a business that’s filled with all types of risks. 

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Why get the right insurance cover?

It’s a fact that injuries can happen, as well as damage to property and more. This is why your construction business needs to be protected by construction contractor insurance.

What would happen if a heavy tool was dropped from up high and hit a car, damaging the hood? Or what if tools left on the ground caused someone to trip and fall? The result could be expensive compensation claims and legal fees. These can be extremely expensive. Can your business cover these expenses out of pocket? If not, then you should consider investing in construction contractor insurance.

Construction Contractors Insurance

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Construction Contractors Insurance FAQs

What Type of Insurance Do I Need for my Construction Contractor Business?

There are several types of insurance coverage you may want to consider for your business, including the following. 

1). Employer’s Liability Insurance

Employer’s liability insurance protects you from claims made by employees who are injured, become sick, or die on the job. 

If you have one or more employees, then you’re legally required to have employer’s liability insurance. 

2). Public Liability Insurance

Public liability insurance protects you and your business against claims made by third parties who are injured or whose property is damaged due to your business operations. 

3). Tools Insurance

Tools insurance protects your tools if they are lost, stolen, or damaged. This coverage usually includes: 

  • Tools used to do the work of your profession.
  • Theft of tools
  • Damage of tools (accidental damage, flood damage, fire damage)

4). Hired-in Plant Insurance

Hired-in plant insurance protects equipment from theft, loss, or damage. It generally includes: 

  • Accidental damage to plant you’ve hired from a third party.
  • Loss or damage to hired-in plant equipment.
  • Legal liability for loss/damage to hired-in plant equipment.
  • Ongoing hiring charges

5). Contract Works Insurance

Contract works insurance protects your work in case it becomes destroyed, delayed, or disrupted. This type of coverage generally includes: 

  • Works in progress (both commercial and domestic sites)
  • Damage/theft of tools and equipment left on site.

6). Professional Indemnity Insurance

Professional indemnity insurance covers mistakes that may arise in your work, as well as services that did not meet the client’s standards. This type of coverage generally includes: 

  • Claims for professional negligence that causes your client to suffer financial loss.
  • Advice you’ve given that turns out to be incorrect.
Do I Need Employer’s Liability Insurance for One Employee?
Yes, this is the law. You are required to have employer’s liability insurance for one or more employees, with a minimum of £5 million.
What if I Have No Employees? Do I Still Need Employer’s Liability Insurance?
If you have no employees, then you may not be required to have employer’s liability insurance however if your subcontract, hire voluntary or casual labour you should consider employers liability insurance.
I’m Self-Employed, Do I Need Employer’s Liability Insurance?
If you’re self-employed and work on your own, then you do not require this type of insurance policy. The only time you may need this is if a client requires you have employer’s liability insurance to work on a project.
Do I Need Employer’s Liability Insurance for a Limited Company?
Yes, if you run a limited company and employ one or more, or if you have more than one director, then you’ll need employer’s liability insurance. If you only employ close family members, and your company is incorporated, then you’ll also need employer’s liability insurance in this scenario.
Do I Need Insurance for Temporary Workers?
In most cases, if you have short-term staff, contractors, or casual workers, then you will more than likely be required to have employer’s liability insurance.
Do I Need Employer’s Insurance for Subcontractors?
The answer depends. If you’re hiring “labour-only” subcontractors who work under your management and use your materials/tools, then they are legally seen as employees. They will need to be covered by employer’s liability insurance. However, those subcontractors who are “bona fide” work under their own direction and use their own materials/goods will not need to be covered by employee’s liability insurance.
Do I Need Employer’s Liability Insurance for Volunteers?
While it’s not legally required, it can be a good idea to invest in employer’s liability insurance. The reason is that you want to protect the business in case a volunteer makes a compensation claim against you. However, if you already have employer’s liability insurance, then volunteers may be covered under the policy. If you’re not sure, then it’s a good idea to check with your insurance provider.
Why compare with My Business Comparison?

As you can see, your construction contractor business faces a wide range of risks. Accidents happen in just a heartbeat. Are you and your business protected in case of a claim and legal expenses resulting from the unexpected? 

We’ve made our site easy to use. In just a matter of moments, you can have several quotes and policies from several insurance providers to review. No time wasted researching and making phone calls. You can do an insurance comparison right here on our site!

If you have questions about the right insurance policy for your construction contractor business, then contact us today! We’re looking forward to talking with you!

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