Our specialist Liability insurance and risk management advisors work closely with clients, our industry practices and the insurance market to provide products and services that help our clients achieve their demands and needs when purchasing their Insurance Solutions.
When it comes to protecting your company and your employees, choosing the right cover is paramount, more so when you are involved in "High Risk" construction situations.
Contract Insure are the leading provider of Liability Insurance to the Construction sector. We understand the risks associated within this sector and therefore can provide insurance policies which will afford you the best protection in the event of a claim.
Employers' liability insurance covers the legal liability of employers for injury, disease or death sustained by their employees arising in the course of their employment.
This insurance is legally compulsory for all businesses that have any employees (unless they are exempt under the Employers' Liability Compulsory Insurance Act 1969). By law, cover is required for at least £5 million. In practice, however, most policies provide a limit of £10 million.
Public Liability Insurance
Public liability insurance covers the legal liability of your business to pay compensation to members of the public for death, injury or damage to their property, which arises in the course of your business. It also covers legal fees, costs and expenses such as representation at any coroner's request, fatal accident enquiry or other court hearing because of an accident. Whilst it is not legally compulsory, it is essential insurance for any business.
Pollution Liability Insurance
Most public liability policies include pollution liability as standard, which covers damages paid to a third-party who has suffered as a result of pollution caused by your business activities.
Pollution liability as part of public liability insurance covers sudden and unexpected incidents that take place during the insured period, such as one-off accidents.
Products Liability Insurance
In the terms of Product Liability insurance and Products Liability Insurance, a product is any physical item that is sold, given away or provided in any means. Products must be fit for the purpose in which they are provided. Your company will be legally responsible for any damage or injury that a product you supply may cause.
Product liability insurance will cover your business against damages awarded as a result of damage to property or personal injury caused by your product.