Demolition Contractors Insurance

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Demolition Contractors Insurance

Statistically, the volume and value of claims made on demolition contractors insurance are high, so if you’re in the demolition trade, you’ll know that insurers regard you as ‘high risk’. That’s because, compared to most businesses, it’s a trade that carries significant dangers.

At BJP, we have nearly 20 years’ experience in construction insurance and we have access to demolition contractor insurance schemes from specialist insurers.

Who needs demolition insurance?

No matter whether you are a general building contractor who needs demolition cover in place as part of a contractors all risks policy, or a specialist demolition contractor using soft strip, ball and chain or explosives, you need to ensure you have the right insurance in place to reflect the risks you and your business face.

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Demolition Insurance

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What does demolition contractor insurance include?

There are a number of risk and considerations to be made when choosing the right demolition insurance policy. For example, you will need to specify whether you are working at height. Beyond that, every policy varies slightly and should reflect your particular needs. Typically, a demolition contractor insurance policy will make provision for:

Demolition Contractors Public Liability Insurance

Imagine a wall or building you were demolishing became unsafe and a fragment of it injured a member of the public. Public liability insurance would protect you from the cost of defending any claim arising, as well as any pay out that was deemed to be required.

Demolition Contractors Employer Liability Insurance

Demolition work is dangerous. It’s not unthinkable that you or a member of your staff (whether directly employed, contracted or casual) could get hurt or worse. Employers liability insurance would protect you against a claim, including legal defense costs and any compensation payout. If you have anyone working under your control, employers’ liability is a legal requirement in the UK.

Demolition Contractors Plant and Machinery Insurance

Whether you own your own plant and machinery or hire in equipment for particular demolition jobs, you need to ensure they are adequately insured. In addition to any cost for replacement or repair of a piece of equipment that is damaged or stolen, you may need to consider how quickly you can get a piece of work up and running again.

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What other insurance for demolition contractors should be considered?

In addition to the core cover, you may need to consider other business assets and activities that ought to be insured. At BJP, we’re happy to work with you to understand your business fully and ensure all aspects are adequately covered. You may wish to consider:

  • Tools Insurance
  • Commercial Vehicle Insurance
  • Motor Fleet Insurance
  • Office Insurance
  • Professional Indemnity Insurance
  • Tax & VAT Investigation Fee Protection
  • Legal Expenses Insurance
  • Directors & Officers Liability Insurance

If you are unsure what cover you need, or would like a competitive quote for any additional risks, simply contact the BJP team today.