Are labour-only sub-contractors covered in the same way that direct PAYE staff are under the employer’s liability policy?
Yes. We can cover both types of employers for the same risks although it is very important to declare how your workforce are employed as this will affect how your risks are calculated.
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.
Why do I need builder-specific insurance?
All builders’ circumstances are different and therefore some general policies may contain inadequacies that could potentially leave your business uninsured in the event of a major loss. You can avoid this with an industry-specific policy from Towergate.
Why does a builder need public liability insurance?
Builders face many risks in their line of work. Unfortunately, no matter how well prepared you are, mistakes can happen – and a single slip could be disastrous for you and your business. Legal action, in respect of liability for personal injury or property damage arising from your activities is a real threat. Protect yourself, your clients, your equipment, and your business, with a flexible insurance policy specifically tailored to exactly match your requirements.
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.