Talk to our builder insurance experts and get the cover you require

BUILDERS INSURANCE

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INSURANCE FOR BUILDING CONTRACTORS

You’ll be covered working at 15 Metres Height and 3 metres Depth
If you need to work higher or lower, no problem, we can arrange this
Premiums start at €625 depending on the scale and level of cover you require
Specific cover for Stand Alone Roof Work is available on request
Welding and use of Oxy-Acetylene automatically covered

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Ensure you protect your business and employees with the right level of building contractors insurance

THE TYPES AND LEVELS OF BUILDERS INSURANCE NORMALLY AVAILABLE

Public Liability – Typically €6.5 m limit of indemnity
Employer’s Liability - Typically €13m limit of indemnity
Building Contractor's All risks – covering the job and your own equipment

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WELDING AND OXY-ACETYLENE

Liability for oxy-acetylene, electric welding, cutting, grinding equipment, blow lamp or hot air gun are all covered. They are subject to the Burning Welding and Cutting Conditions and policy document. But these activities are covered. For your information, not all insurers cover this and some specifically exclude it. If in doubt, ask us to review your existing arrangements.

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ADDING ON INDEMNITY TO A LOCAL AUTHORITY

This is no problem at all and we arrange it all the time. You will have your indemnity letter within 24 hours, but more than likely you will receive it on the same day you request it.

Many local authorities require building contractors to not only supply proof of their public liability insurance, but they require that your insurance company indemnifies them in the event of a claim arising from work that you have carried out. We arrange this indemnity cover every day for our clients - so rest assured that we will arrange yours accurately and quickly.

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INCREASING COVER IF YOU WIN A LARGE BUILDING CONTRACT

Winning a large contract is great news and increasing your insurance will not cause a problem. Just ring us with the details – specifically how many additional staff you will need to hire and by how much your turnover will increase. We will then advise your insurance company and find out how much additional premium, if any, will be charged. If we believe that it is excessive, we will get quotes from other insurers as well as negotiating with your current insurer for a pro-rata return premium. We’ll keep in touch with you while these negotiations are ongoing and come up with a package that best suits your growing contractor's business.

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BUILDING SUB-CONTRACTORS

All of our policies include liability cover for labour only sub-contractors up to a total annual payment of €7,500. This can be increased and we will ask you at quotation stage and again at every renewal what you expect your annual payment to be in respect of labour only subcontractors.

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