What are the most common covers available under a contractors insurance policy?

At NCi Contractor our aim is make sure you only pay for the cover you actually need. Some of the most common cover available to people and businesses working in the construction and building trades are:

Public Liability Insurance – This protects you from any liabilities from a third party (excluding from your employees) including damage to their property and bodily injury that may occur during the normal operation of your business.

Employers Liability Insurance – This compulsory insurance is required if your business employs any staff, including part time staff, trainees or sub contractors.

Products Liability Insurance – If you sell or supply products this cover protects you from any liabilities from a third party (excluding from your employees) for bodily injury and damage to their property.

Plant, Tools and Equipment Insurance – Whether you have premises or not, this will cover your tools and equipment against loss, destruction or damage on or off site. 

These are just some of the most common covers available to workers and firms but whatever your companies individual needs, at NCi Contractor we’ll search to help find you the right cover at the right price.