Business insurance for Construction and trades

For professionals working in construction and trades, insurance is essential, but not just for the obvious risks. Whether you’re working with hundreds of employees or you’re a self-employed tradesperson, you'll be well aware of physical injuries, fallouts with clients, problems on site and even legal action. But there are other things to consider – the safety of the public, protecting your specialist equipment and keeping client data safe. Business insurance means you’re never left facing a disruptive incident alone.

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Insurance for construction and trades – why it matters

Your clients rely on your expertise and skill to get jobs done properly and on time. But things don’t always go to plan – equipment can break, schedules can overrun and accidents can happen. From clients who claim a mistake in your work has cost them money, to damaged property and everything in between, you need to know you’re covered. We can put together a specialist insurance package tailored to the specific risks your business faces, so you have a plan of action for all events.

Why you need insurance in construction and skilled work

Disagreements with clients

You work hard to make sure designs are double-checked and that work is always carried out to the highest possible standard, but things can still go wrong. Whether there’s a genuine deficiency with a design or in its execution, or a client believes there’s a problem that you don’t agree with, legal action is still a possibility you may have to deal with. It’s important to protect your business, your good name and keep any disruption to a minimum.

Technical difficulties

In a hands-on profession, you can’t operate without your tools and equipment; if anything breaks down or gets lost, you need to know you can get back up and running again, and fast. Otherwise you run the risk of losing out on valuable contracts or having to deal with disgruntled clients while projects come to a halt. We can provide cover for all your work equipment so if anything happens to it, you’re not left paying for repairs or replacements alone and you can get back to work as soon as possible.

Problems with data

In a physical world that deals with construction, repairs, alterations and skilled hands-on work, data might seem secondary, but the internet is a big part of any modern business. Whether you’re making online payments, processing orders and invoices or communicating with clients electronically there’s a real risk of confidential data falling into the wrong hands. If it does, it’s expensive and embarrassing, so you need to be able to move on from it quickly.

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Key types of insurance for construction and skilled work

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These are just some of the types of business insurance for construction and trades that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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