Can you provide JCT insurance and can you cover my sub-contractors tools?
We know JCT is becoming more and more desired as part of a tradesman insurance even though it still remains relatively difficult to find amongst the various providers. We pride ourselves on not only being able to source this protection for those looking for it but also being able to accommodate any other types of cover you may need such as sub-contractors and employees’ tools cover. Speak with one of our advisers about your needs and how we might be able to help.
Is my cement mixer covered on site, and while I’m driving?
We can cover your cement mixer whether it is on a trailer or in your van, on site or in transit. It’s as simple as making sure you declare the cost in your ‘sums insured’ during your quote and we’ll get it covered on your policy.
Why does a bricklayer need public liability insurance?
Bricklayers can risk legal action in respect of their liability for personal injury or property damage arising from their activities. Potentially, the awards that can be made as a result of a successful claim can be substantial. Unfortunately, even the legal costs of defending the most spurious claim can cause severe financial hardship. This underlines the importance of insuring your business.
Am I covered for ‘loss of income’ protection due to bad weather?
For all the searching in the world we doubt we will find you an insurer that will be happy to insure against the good old British weather!
Are labour-only sub-contractors covered in the same way that direct PAYE staff are under the employer’s liability policy?
Yes, both types of employers are covered for the same risks although it is very important you declare how your workforce are employed as it will affect how your risks are calculated.
Why do I need bricklayer-specific insurance?
Some general policies could contain inadequacies that would leave your business uninsured in the event of a major loss. Therefore, protect your company with an industry-specific policy from Towergate.
Is the financial rating of an insurer an important factor?
As the system measures an insurer’s financial situation, allowing you to predict their ability to meet ongoing policy obligations, it is an important factor.
Also, there are a number of main contractors that will not sub-contract works to any companies not insured with an insurer with a minimum of an A-financial rating (as determined by established ratings companies).
If you have any concerns about whether this may affect your business or have any questions around the rating of an insurer speak with one of our advisers.
Can I pay in instalments?
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.