Construction sites are usually high-risk environments and need to adhere to a number of safety measures and regulations in order to remain compliant. Our specialist team has experience working with construction clients of all sizes, with access to both London Market Lloyds placement outlets.
Cover can include:
- JCT 6.5.1 (21.2.1 as previously known)
- Plant – both standard and specialist
- Contractors, erection and demolition risks
- Collateral warranties (both new builds and conversions)
- Contract works cover
- Rail operations and contractors
Contractor’s Plant
This covers the Insured’s own plant and equipment on an ‘All Risks’ basis. It can also cover their legal liability under terms of their hiring agreement to pay for loss or damage caused to hired-in plant and the cost of continuing hire charges.
Cover can include:
- Owned plant is covered throughout the UK including transit (other than by sea or air).
- Hired-in plant cover on a legal liability basis.
- Continuing hire charges following loss or damage.
Contract Works Construction
This covers permanent and temporary contract works which you are responsible for.
Cover can include:
- ‘All Risks’ cover for contract works on site
- Transit to or from the contract site (other than by sea or air)
- Completed properties awaiting sale after completion
- Indemnity to principal or contractors where required
- Waiver of subrogation against sub-contractors where required
- Expediting expenses
- Debris removal
- Cost of clerical labour and materials for redrawing plans
Asbestos and Waste Contractors
The asbestos and waste industry has been notoriously difficult to cover in the past due to the many risks associated with it, from health and safety to pollution exposure and environmental liability. Our knowledgeable team is on-hand to help cover your business against these and arrange you a suitable policy at a competitive price.
Cover can include:
- Liability cover up to £10m limit for public liability
- Contractors all risks
- Professional indemnity
- Environmental impairment liability/pollution
- Excess layer of loss
Lift Engineers
We understand exposures within this industry, from declaring a lift as safe and it then malfunctioning, injuring the people inside it or damaging the property whilst performing maintenance. We can cover you against these risks and others with a competitive quote.
Cover can include:
- Employers’, public and product liability
- Material damage
- Business interruption
- Legal expenses
- Contractors all risks
- Professional indemnity
- Directors and officers
- Excess layer of loss
Electricians
Electricians working on live wiring or installing electrical equipment in hazardous locations face a wide range of dangers. Employees involved with electricity and maintenance works require a specialist insurance product. It’s essential to have a comprehensive policy to protect your business, no matter what unexpected exposures your operation may be faced with.
Cover can include:
- Liability with a 10m public liability limit
- Equipment, tools and stock
- Defective workmanship
- Professional indemnity
- Directors and officers
- Excess layer of loss
- Motor fleet
HVAC
For those who work in HVAC (Heating and Ventilation) installation and maintenance, you will need HVAC insurance to protect you from adherence to licencing and regulatory requirements. We understand working locations and conditions can vary extensively in your industry, some potentially hazardous. We can cater for all elements of your trade to keep your business up and running.
Cover can include:
- Public liability up to £10m included
- Contractors all risks
- Professional indemnity
- Defective workmanship/property damage
- Environmental Impairment Liability/pollution
- Use of heat equipment onsite including oxyacetylene welding
Fire, Alarm and Security
If your business conducts fire, alarm and security installations, you have a significant part to play in the safety of a building and its residents. We have access to a vast range of specialist insurance solutions to protect the legal liabilities of installers, suppliers, manufacturers and key service providers within the UK Alarm, Fire & Security industry.
Cover can include:
- Efficacy failure to perform the desired function
- Contractual liability – failure to carry out contracted duties
- Professional indemnity & legal expenses
- Damage to property/system being worked upon
- Defective workmanship and product recall
- Tools and equipment
Cleaning Contractors
If you work in the cleaning industry as a self-employed contractor, you’ll understand that things don’t always go to plan. We can arrange a comprehensive policy for cleaning contractors in order to cover your business in the event that something goes wrong.
Cover can include:
- Public, product and employers’ liability – £10m limit available
- Loss of keys
- Damage to third-party items
- Damage to property
- Financial loss
- Lock & key replacement
