Free checklist
Builders and tradespeople insurance checklist
Construction clients carry some of the strictest policy conditions. These are the points to check.
Covers usually needed
- Public and products liability (with the limit contracts require)
- Employers' liability, including labour-only subcontractors
- Contract works
- Own and hired-in plant
- Tools and goods in transit
- Professional indemnity if they design work
Common gaps brokers find
- Heat-work conditions the client doesn't know about
- Depth, height or work-type limits on the liability section
- Labour-only and bona fide subcontractors treated wrongly
- Hired-in plant not covered for hire charges
- Turnover or wage roll declared out of date
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