Public Liability cover

Public Liability insurance covers your business if someone gets hurt or property is damaged in the course of your work. Standard levels of cover are £1, £2m, or £5m and higher levels are available upon request subject to insurers terms and conditions. Public Liability will protect you should there be a legal case for injury or damage.

Employers Liability cover

Employers Liability insurance is a legal requirement if you employ anyone or pay sub-contractors to complete works on your behalf with your tools and equipment. An Insurance Octopus standard Employers Liability insurance policy is £10m cover.

Contract Works or Contractors All Risks cover

Contract Works or Contractors All Risks cover will insure your construction works plus materials should they be damaged or the materials stolen prior to completion. The policy will also cover the additional labour costs to rebuild the work previously completed along with cover for your own or hired plant. An example of this would be if you are completing an extension and it is damaged or destroyed by fire; you would have to complete the work again. Contract Works cover will provide the protection you need in this instance. Contract works insurance is available as a single one off policy or as a yearly policy.

Plant and Tools cover

Plant and Tools cover will protect your tools of your trade whilst working on site such as a construction or building site.

In addition to our standard tradesman and contractors insurance package, if you are a specialist in a particular field of bricklaying you may need to amend your policy to be specific to your business. With The Insurance Octopus you can specify specific areas such as working up to 50 meters in height, having over 75% of your work using heat or working deeper than the standard 2-3 meters. Give us a call today to find out more information about additional cover for your policy.