FAQ Category: Builders Insurance

If you hire cranes or heavy machinery, Plant & Tools Hired cover will protect them against loss or damage, as well as any liability for hire charges if they are damaged. If you own the equipment, Plant & Tools Owned cover provides similar protection. We do not cover any claims arising from tandem lifting operation or any lifting operation which involves the use of two (2) or more cranes or other lifting devices used in tandem to lift any item(s).

As long as you adhere to the additional “Underground Services Condition” within the policy, then cover is included for the cost to repair and replace of underground pipes or cables only. Any additional damages, penalties and/or fines are not covered under our policy.

If scaffolding is hired, it may be covered under Plant & Tools Hired cover. If you own the scaffolding, Plant & Tools Owned cover will protect against loss or damage.

If you employ apprentices, you are legally required to have Employers’ Liability Insurance, which covers claims if they suffer injury or illness due to work-related activities.

No, Builders Insurance primarily covers risks during the project. For defects or liabilities arising after completion, you may need alternative cover.

If you have Contractors Works cover, it will protect against loss or damage to your materials, including weather-related incidents, while they are stored on-site or being used in the project.

Yes, Contractors Works cover protects building materials stored on-site, ensuring they are covered against loss or damage during the course of the project.

Yes, if you have Plant & Tools Owned or Hired cover, it includes temporary buildings, caravans, and similar structures used in connection with your Contractors Works.

Your tools can be covered under the Plant & Tools Owned cover, this can protect them even when stored in a locked and unattended vehicle when you add the Tools of Trade extension. This extension must be selected as part of the policy and does not apply as a standalone option.

Public Liability Insurance covers claims from third parties for injuries or property damage caused by your work, but it does not cover damage to the construction site itself. If you are demolishing part of a building as part of a construction project, you will need Contractors Works cover to protect against any loss or damage to the works involved.