Building Site Managers Insurance

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Building Site Managers Insurance

Working as a building site manager, you’ve got a lot of responsibility. Managing budgets, co-ordinating trades, minimising problems and preventing delays from occurring. You have a great deal of detained information to deal with and stressed clients and contractors to manage.

Insurance may well be the last thing on your mind, but having the right cover in place is really important, and will often be a contractual requirement. Take the stress out of finding the right insurance by talking to BJP Insurance Brokers Ltd. We have extensive experience in the construction industry and can arrange the protection you need.

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Building Site Managers Insurance

Bespoke insurance and risk management programmes for all sizes of business

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What’s included on a construction insurance policy?

You may need to consider a number of potential liabilities that you are likely to face in the course of your day to day work. There are three principle covers that you will need to consider when taking out a policy:

Professional Indemnity Insurance

It’s likely that you will be considered the overall expert in charge of the site. Your subcontractors may find ‘real world’ issues with the implementation of an architects plan, for example, and it may fall on you to make a decision to deviate away from the specification for perfectly good reasons. Giving advice like this leaves you vulnerable to potential claims that your input was in some way defective and has led to material loss of some description. Professional Indemnity insurance (PII) can protect you from legal costs as well as any subsequent payment that might be awarded in such a situation.

Public Liability Insurance

Public Liability insurance protects you in the event of a claim made by a member of the public that they have been harmed or suffered a loss as a consequence of your business activity. It’s often a contractual requirement that you have Public Liability Insurance in place. Indemnity (the maximum level of cover that the policy can pay out) levels vary to reflect your particular requirements.

Employers Liability Insurance

Employers Liability insurance is a requirement for any business employing staff to work under their control. That can include sub-contractors (irrespective of whether they have their own insurance) and casual workers, as well as workers on the payroll. Working in the high risk environment of the construction sector, it’s particularly important that your business is protected from potentially expensive claims, in the event that something did go wrong.

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Other insurance covers for the construction sector

Depending on the size and scope of your business, there’s likely to be a range of other insurance covers that you may wish to consider when buying your insurance. These include:

  • Hired and owned plant and machinery cover
  • Tools cover
  • Site office and contents insurance
  • Contractors all risks insurance

To discuss your particular needs, why not get in touch today? BJP Insurance Brokers Ltd has extensive experience in the construction sector. As a leading independent insurance broker, we work with a range of leading UK insurers and have access to a wide range of policies.