In your line of work, whether helping with electrical work, digging trenches and generally working outside in all elements, you can find yourself moving around from job to job and facing different types of risks. Whatever business challenges you have, making sure that you have the right business insurance in place need not be one of them.
Our commercial insurance advisors will work hard to construct a policy around your specific business needs, to make sure that you are covered should you need to make a claim.
In many instances you may find yourself working as a sub-contractor to other businesses and it may be a condition of your contract that you have your own Public Liability insurance.
Public Liability insurance helps you defend claims from third parties should they make an allegation that through your work you have injured them, or perhaps damaged their property.
The Be Wiser panel of insurers, which include many household names, can offer you insurance cover with a limit of indemnity of £1 million as standard with the option to increase this to £2 million, £5 million and beyond at a very reasonable extra cost.
The policy can be extended to include insurance cover for your tools, contract works and some can even provide Personal Accident cover for yourself.
By law if you employ anyone including casual workers, apprentice or temporary staff, you are required to have Employer’s Liability insurance.
Not long at all!
In many cases we just need a few minutes of your time to gather the relevant information, including details of your experience, Turnover and previous claims history.
If you accept our quote, we can issue the policy documents the same day including your Employers Liability insurance certificate if this extra insurance cover is needed.
In certain circumstances we can also offer a convenient monthly premium payment option, terms and conditions apply and details can be discussed when you call.