Every business is
unique in many respects, and regarding insurance, you need to ensure that you
are covered for every eventuality. If you are in the construction industry, for
example, there is a constant risk of injury to all the workers,especially
those working at height, and at OnSite Insurance, we have tailored
comprehensive policies that are specifically designed for those working at
height. Many contractors are looking for construction insurance that also covers any self-employed workers
they might wish to use, and at OnSite Insurance, our comprehensive working at
height policy gives you real piece of mind, as your directly employed staff and
any subcontractors are covered by the same comprehensive policy.
Legal Requirement
As you probably know, builders’ insurance is compulsory for all construction employers,
which covers any claims made by injured parties, and the reason this cover is
compulsory is to ensure that any person who suffers an injury will be
compensated fairly. A personal injury claim could run into millions of pounds,
and without adequate insurance cover, a case such as this could force a
business to close, and with the minimum cover at 5 million pounds, this ensures
that any injured party is covered.
Comprehensive Working at Height Cover
Every builder
should have adequate insurance for all their site workers, and at OnSite
Insurance, we’ve got you covered no matter what. Whether working on
a scaffold tower, ladder, or pair of steps, our comprehensive working at height
policy is the only insurance you need, and aside from meeting the legal
requirements, this policy covers any employee - direct or subcontract – that
has an accident while working above ground. This policy is ideal for roofing
contractors, as it covers ever eventuality, and we can tailor the cover to
include other situations, should it be required.
Employers’ Liability Insurance
Even though it is a legal requirement for every
employer to take out adequate employers’ liability insurance, and the minimum
cover is 5 million pounds (most contractors take out a lot more), and it
matters not whether your business is a limited partnership of you are a sole
trader, we can tailor affordable employers’
liability insurance, which can be coupled with the public liability cover that is also compulsory
for all registered businesses. Public
liability insurance covers youir business against claims made my members
of the public for both personal injury and property damage. It might be a
customer who injured themselves at your business premises, or even a passer by
who is hit by falling debris on a construction site, and as a business owner,
it is your responsibility to protect your company in the event a person makes a
claim for compensation.
Contracts Insurance
Rather than taking out a policy that covers you for
any eventuality, it is often wiser and more affordable to take out a
comprehensive policy that covers your company for the duration of the contract.
This contractors’ insurance
policy can be tailored to suit your needs, and whatever your chosen industry,
the chances are we have other clients in that field, giving us the experience
to service a wide range of industries, which include the following:
· Construction
· Factory & Warehouse
· Retail Outlets
· Welding & Engineering
· Plant & Machinery Operation
If you are soon to launch your new business and would
like a no obligation quote for all your insurance needs, fill in the online form, or call us on 01902 324 194 and we’ll be happy to quote you
for the right insurance. If you live in the Midlands, why not pay us a visit at
our Wombourne offices, which are situated on Church Road, and we can advise you
on any aspect of commercial insurance.
