Cover for your vehicles, plant and machinery
Help with choosing the right cover options for your business.
Below you will find cover and add-on policies you may need to correctly cover your business. It is just a selection and as always we advise speaking to a broker to obtain the best advice possible.
Some construction projects you undertake will make you responsible for partially completed work. For instance, you're in the middle of building a house, and a flood destroys the work you have done contract works insurance could cover the cost of redoing that work. Your broker will help you determine the right level of cover needed.
Own Plant & Tools
Provided cover is for the replacement of your tools, plant and equipment due to theft, loss or damage. Typically included in a contractors' all risks policy.
Covers the cost of replacement of employees tools which have been stolen, lost or damaged. The amount covered may be for a fixed amount and will depend on the insurer.
Covers the replacement value of hired-in plant and equipment. Hire companies will normally insist on some type of cover to be in place before hire commences.
Whether it's a portacabin or a row of portaloos most construction sites have temporary buildings. Temporary buildings cover often provided with a C.A.R. policy covers loss or damage to these temporary structures and may cover any plant or tools stored in them.
Covers the cost of replacement due to loss or damage of architects drawings. Usually covered as part of a contractors all risks policy.
The materials you use on site can be expensive to replace, so ensuring your sums insured covers the replacement cost of your materials is essential. Typically materials will be covered under a contractors all risks policy.