• Liability policies for all types of trades including:
  • Builders and allied trades
  • Couriers and Hauliers
  • Specialist insurance including petrochemical
  • High risk trades
• Covers:
  • Public Liability – cover yourself for damage to property or injury to others
  • Employers' Liability – cover as required by the law
• Additonal covers available including:
• Goods In Transit and Tools Insurance
• Contractors All Risks Insurance
• Personal Accident Insurance
• Owned and Hired in Plant Cover Insurance
• Truly competitive quotes
• All types of trades including heatwork
• Full range of payment deals

Liability Insurance

Liability cover can be quite a complicated affair, and can include several different types of cover to insure against different situations, even where you might think you are not actually liable.
For instance, many people think Public Liability is a legal requirement. It isn’t, but Employer’s Liability is, which generally comes only as an add-on option to Public Liability, although it’s still a very good idea to take Public Liability cover to protect yourself.
Employer’s Liability is also a very grey area, complicated by the legal definition of employee, which often includes sub contractors, depending on how you contract work out to them, and whether they are “Labour only”, where they use your equipment, or “Bona Fide” where they use their own tools and materials. On top of all this, sometimes contingent liability is required, which provides liability where there is no obvious negligence or fault, an example of this would be where a building contractor takes a JCT 21.2.1 to protect other buildings which are near his site of works.

Liability cover isn’t just for building contractors either, Products Liability is available with most policies, so if you work in Retail, it can be handy covering you against faulty goods. This can be especially important if you sell food and drink.
To help get the correct cover in place, we have set up a specialist commercial department specifically to look after you, and they will be happy to look after your liability requirements, advising you on the covers you actually need and why. They also have access to the best companies for highly competitive quotes at reasonable rates
We can arrange the following for you-

• 1. Public Liability
• 2. Products Liability
• 3. Employer’s Liability
• 4. Property Owner’s Liability
• 5. Land Owner’s Liability
• 6. Contingent Liability (such as JCT 21.2.1)
• 7. Motor Trade Liability – including service indemnity