Employers Liability Insurance

Employers’ Liability Insurance is legally required for any business with at least one employee. If you are a contractor with PAYE employees or labour-only subcontractors, you are obligated to have this insurance.

Failure to secure the necessary coverage can result in fines of up to £2,500 per day.

This insurance safeguards you against the costs of compensation claims related to workplace injuries suffered by your employees. We specialise in providing coverage across all trades within the construction industry.

Public & Products Liability

Public Liability Insurance safeguards your business by covering the costs of compensation if a third party experiences personal injury or property damage due to your operations. This type of insurance is essential for construction businesses and provides critical financial protection.

Often, Public Liability Insurance includes Products Liability Insurance as an automatic extension. Products Liability covers compensation costs if someone is injured by a defective product that your business designs, manufactures, or supplies. Notably, your business may still be held liable for compensation even if it did not manufacture the product.

For industries such as electrical and HVAC contracting, it’s vital to ensure the policy includes “Efficacy” coverage. This extension to Public and Products Liability Insurance provides protection if an installed product fails, resulting in third-party injury or property damage.