Comprehensive insurance for allied and finishing trades
Our construction experience has led us to create Construction for Trades. Our flexible product allows you and your customer to choose the right cover and control costs with our eight optional extras.
Comprehensive cover as standard
Covers damages and legal costs when employees suffer injury or disease due to their work. Indemnity limits up to £25 million.
Public and Products Liability
Flexible indemnity limits; Corporate Manslaughter extension up to £5 million; Environmental statutory clean-up costs; No standard height or depth restrictions
Contractors All Risks
Tailored contract works limits and descriptions. Cover for owned and hired-in contractors’ plant UK-wide, and employees’ personal tools and effects on site. Includes £250,000 for works stored anywhere in the UK.
Free web-based risk management advice using our claims analysis across specific industries. It’s perfect for businesses looking to identify the risks they might face and understand how to manage them.
Choose from our optional extras
Your clients can control costs by choosing which of our eight extras they need:
- Part product protection
Products cover often excludes the product itself. For contractors, this will be the contract works but, though we exclude the cost of rectifying a defective part, and any part which is lost or damaged to enable replacement or rectification of the defect, we can cover resultant damage to other completed works.
- Products cover
Written on an ‘any one occurrence basis’ rather than an aggregate limit.
- Low claims renewal bonuses for EL/PL & CAR
Rewarding customers with a strong claims record.
- Flexible excess
Customers can set their own excess level and we will adjust their premium accordingly.
- Hold covered extension for JCT non-negligent insurance
Gives the customer time to meet the employer’s contractual requirements.
- Multiple insureds and non-vitiation extension
Meeting the requirements of more sophisticated employers or finance parties by treating each as insured individuals - so a fraudulent act by one doesn’t affect all.
- Additional costs of construction including unbuilt portion of works
Protection from unforeseen cost escalation which may affect incomplete portion of a contract following damage, if this leads to delay and an increase in the cost of materials.
- Financial loss (tort only)
Peace of mind that the customers will not be left exposed to any court judgement for payment of pure financial losses incurred by third parties (excludes contractual damages, fines or penalties).
- Part product protection
Who we work with
✔ Finishing Trades
Shop fitters; electricians; painters; decorators
✔ Building Allied Trades
Bricklayers; tillers; hod carriers; metal workers
✔ Plant Hire or Machinery installation
Air conditioning and refrigeration engineers; Hirers of contractors’ plant or site welfare activities
✔ Claims expertise
Experienced claims handlers
One contact number
✔ Manage your costs
Legal risk and compliance solutions available
Includes free checklist for HSE visit, contract review, employment and legal advice
Renewal bonus option for customers with an excellent claims history
Our risk insights help keep your customers prepared and covered
Our risk engineering construction experts provide advice on site, online and on the phone
For more information, visit the Our Expertise page.