Contractors Insurance

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Contractors Insurance

If you’re a construction contractor, there’s a range of hazards you have to put up with. Not only do you often work with dangerous tools, machinery and material in changing environments, you also have to navigate the difficult terrain of contracts and liability – whether they’re related to clients or your own employees.

BJP Insurance can provide quality Contractors Insurance to all kinds of contractors, from residential builders to electrical engineering contractors.

As a professional insurance broker with nearly twenty years’ experience in the field and trusted relationships with quality insurers, our goal is to provide every customer with a bespoke insurance solution adjusted to suit their individual needs.

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Contractors Insurance

Independent advice and competitive quotes

What is Contractors Insurance?

Contractors Insurance can include many different types of covers, depending on the specific needs of your business. However, there are some core covers that are so critical that we usually recommend them to all our contractor clients. These are:

Contractors Public Liability cover

There are few professionals that face so many risks as contractors when it comes to claims from the public. Imagine if a stray tool were to cause a serious accident to a site visitor, or a construction fault resulted in multiple accidents – or even deaths. Public Liability is one of the most important covers for any contractor and will pay out for legal costs and compensation if a member of the public makes a claim against you for injury or worse which they claim to be a result of your work.

Employers Liability

Whether your staff are full-time, part-time, or casual, Employers Liability cover will protect your business if a lawsuit is brought against you by someone working for you. If an employee claimed that your business activities resulted in their injury or illness, the compensation cost could be crippling without the right level of cover. If you have employees, Employers Liability is a legal requirement.

Professional Indemnity

Giving professional advice might well be a key part of your business – particularly if you run a design and construct business. But sometimes a claim can be made against you on the basis that this advice was erroneous, or ‘bad’. If your client believed that your faulty advice had been to their detriment, you could end up seriously out of pocket. Professional Indemnity protects you by paying out for compensation claims as well as legal fees.

Motor Insurance

Motor vehicles are a key part of most contractors’ business – cars, vans and lorries, all of which can be driven by different employees at different times. All your vehicles need to have at least third party insurance, which may need to be extended to cover multiple drivers. We can arrange high quality Motor Insurance for your entire fleet.

Some other covers that we typically recommend to our contractor clients are:

  • Personal Accident
  • Contractors All Risks
  • Plant, Machinery, Tools & Equipment All Risks
  • Office Insurance
  • E-risks Insurance

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Who needs Contractors Insurance?

Construction Contractors Insurance is available for all types of contractors. This includes:

  • General contractors
  • Residential buildings contractors
  • Commercial buildings contractors
  • Structural engineering contractors
  • Soil and foundation specialists
  • Mechanical engineering contractors
  • Electrical engineering contractors
  • Heating and ventilation contractors
  • Roofers
  • Excavators
  • Landscapers

Why choose BJP Insurance for my Contractors Insurance?

These days, Contractors Insurance can be bought quickly, and sometimes cheaply, online without reference to advice. This might seem like the easiest option when it comes to insurance, but the small print can often contain clauses and limitations that make it much less valuable when it comes to making a claim.

Professional brokers like BJP understand the complex wording of insurance policies and can help you find a plan that covers all your requirements, with no nasty surprises. What’s more we’ll stay in touch with your business to make sure your policies are always adapted and adjusted to fit your evolving needs.

Lastly, if you have to make a claim, we can make the process smoother by liaising with insurers on your behalf. This can take the hassle out of a stressful situation and help you get on with running your business.