Siteline

BUILDERS AND ALLIED TRADES

Employers Liability:     Limit of Indemnity                              -                  £10,000,000

Covers personal injury to employees to satisfy the legal requirements of the Employers Liability (Compulsory Insurance) Act.

Wide definition of employee includes casual labour, self-employed and hired-in labour and others on work experience or similar projects.

Public Liability:           Limit of Indemnity                               -                  £2,000,000

Covers liability to third parties for personal injury and damage to property.

Including:

• Indemnity to principals for whom you are working
• Contractual Liability
• Weakening and removal of supports
• Liability incurred by vehicles working as tools of trade
• Labour only Sub-Contractors
• Private work undertaken for Partner/Director
• Liability for leased or rented premises
• Automatic Financial Loss PL and Products (£10,000 limit)

Excess:

• £500 (Fire/Explosion damage where heat work is involved - £1,000)

Contract Works:                                                                  -     £250,000 - £1,000,000
                                                                                                 (as required)

Covers loss or damage to contract works and materials on site.  (Excess £500)

Constructional Plant, Equipment and Temporary Buildings:  -     £25,000 - £100,000
                                                                                                  (Excess £500)

Hired-In Plant:

Your liability incurred for damage to plant hired-in and loss of hiring charges. Limit - £250,000
                                                                                                                  (Excess £500)

Employees' Tools and Personal Effects included up to £350 per employee. 
                                                                                       (Excess £100 any one employee)

Transit Risks include tools and materials in transit anywhere in Great Britain.

Temporary Offsite Storage of Materials and Plant included.

Motor Contingent Liability for vehicles used on your business but not belonging to or hired to you (e.g. employees' cars).

Legal Defence Costs of defending you or any employee in the event of prosecution under the Health and Safety at Work Act 1974.

Contractor's Property - up to £10,000 on materials and plant at Insured's premises (including private dwelling of Insured/partner).

FEATURES

No hidden adjustments on wages paid at the year end.

One single premium provides cover for the year of insurance.

Minimal restrictions or excluded categories of work.

6 Months extension of cover plus show house contents included for completed dwellings awaiting sale - up to £35,000.

WAR AND TERRORISM EXCLUSION

Insurers are no longer able to offer the restricted Material Damage and Business Interruption cover previously provided in respect of loss or damage caused by an act of War or Terrorism.

Cover for Material Damage and Business Interruption against War or Terrorism remains available on request.

Cover is, however, provided in respect of the following, if provided under the policy, limited to the amounts shown below or any other amount specified in the schedule, whichever is the less:-

a) Employers Liability                                      £5,000,000

b) Public Liability                                            £2,000,000

CONDITIONS

Subject to referral for work on high risk properties.

Hot Work - Subject to safety conditions of use warranty (Plumbing and Painting).