Our clients have told us the advice we offer have been invaluable to them in making the right desicions. Therefore we have put together the following Insurance Guides to help you. Click on a title below to view a summary and download the Guide.
What Is Contractors All Risks Insurance?
If you are refurbishing or extended your building or erecting a new one, you will need insurance to be in place from the moment works start, to when they finish. The type of policy that covers loss or damage to the new works is known as "Contractors All Risks" or sometimes "Contract Works".
An Insurance Guide For Roofers
Roofers face more insurance worries than many other businesses. As well as the possibility of damaging the building you are working on (public liability) and insuring your van or lorry, you need to check that your sub-contractors also carry public liability insurance. You also need to ensure that if you ever use any heat source (such as a hot-air gun or a bitumen boiler) that this is declared to your insurance company.
An Insurance Guide For Tattooists
Tattoo artists face more insurance risks than many businesses. As well as loss or damage to your equipment (salon insurance) and the liability to the public when they call into your salon, or you visit them (public liability), you may also injure your clients when you tattoo them, or they may suffer an infection later.
Property Owners Liability Guide
If you own land, perhaps a plot awaiting a house to be constructed or a field you have purchased to stop developers from building and obstructing your view, it is possible that a person may enter it and hurt themselves. The law requires you, as the owner, to keep the land safe and will hold you responsible for any injuries.
Landlords Insurance Policy Guide
Professional Indemnity Insurance For IT Contractors
As an IT contractor or web designer, you provide knowledge, advice or skills to your client. Professional Indemnity insurance covers you against the cost of claims from clients who are not satisfied with your work.
What Is JCT Insurance?
Insurance Guide For Window Cleaners
Insurance Guide For Self Build Property Owners
Insurance Guide For Renovation
If you are planning refurbishment works to your home you are required to inform your insurer before the works begin. If you do not, you run the risk that your insurance policy will not cover you should you need to make a claim whilst your house is undergoing renovations.
What is Employer's Liability Tracing Office?
Something which has arisen in the past couple of years that causes a number of phone calls from clients is regarding the Employer's Liability Tracing Office. This Guide explains what Employer's Liability Tracing Office is.
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Public Liability Insurance
PL Insurance for over 200 trades, professions and contractors, including builders, hairdressers, carpenters and decorators.
Public Liability for Land Insurance
Public Liability Insurance for building plots (greenfield and brownfield sites), grazing land, woodland and fields.
Property Owners Liability Insurance
Liability insurance for residential, commercial and industrial buildings.
Excess Of Loss Liability Insurance
For businesses requiring high levels of PL Insurance cover in order to undertake a large contract or project or because the nature of the work requires it.