Public Liability Insurance

Contracts works cover

Contract works insurance covers work in progress on a construction site. It’s invaluable for construction companies if client contracts hold them responsible for unfinished work.

This insurance covers the cost of repairing or redoing work (including labour, materials, tools etc) on a construction site if it’s damaged or destroyed while in progress by an insured event like:

• Fire
• Flood
• Storms
• Vandalism
• Theft

The cost of contract works insurance depends on several factors, including business activities and cover level and you should choose a cover level that matches the total cost of your largest project. Think about what it would cost to redo the work from scratch and don’t forget to include labour and materials.

Tradesman policy

If you want to add cover for yourself and your employees, our Tradesman policy could work for you. This will give you Public and Employers' Liability Insurance.

Employers' liability insurance provides cover if an employee suffers an accident, injury or illness as a result of their work, leading to a legal dispute or compensation claim.

As well as protecting your staff, these policies also look after you and your business. Every UK Employers' Liability policy provides at least the legal minimum £5 million cover – however, policies taken out through Gladiator provide £10 million as standard. Since these costs might otherwise have to be paid by your business, it's crucial to get the correct cover in place.

Able Insurance Services Ltd

Registered in England and Wales as Able Insurance Services Limited Reg. No. 02890075. Registered Address: Floor 4 No. 3 Capital Quarter, Cardiff, United Kingdom, CF10 4BZ. Authorised and regulated by the Financial Conduct Authority (311649).