Whilst Contractors come in all shapes and sizes this area relates to those contractors with less than 10 employees or labour only subcontractors employed or on site at any one time. Larger risks are catered for in a more bespoke manner by incorporating various covers from different insurers into a comprehensive portfolio of policies.
Specific policies are issued on a per capital basis for these smaller contractors. Metcalfe Insurance Services has access to all the major markets and can provide competitive premiums for excellent cost.
The basic cover is Public Liability to which can be added Employers Liability, Contract Works, Transit, Hired in plant, Tools and Equipment and Personal Accident.
The contractor needs to be aware that insurers, unlike the revenue, treat Labour only sub-contractors as employees, therefore the contractor needs to be very careful in selecting the correct cover. (Ask for a copy of our explanatory leaflet).
Similarly it is essential that the contractor is aware of the contract terms in relation to when they get paid and how much work will have been done. A fire or storm could wreck a part finished property and if payment is on completion the work would have to be redone at the contractors expense. Contract works will cover this.
Basic cover is Public Liability. Select from a range of limits from £1,000,000 to £5,000,000. Additional policies increasing these limits may be arranged.
Additional cover available:
Trades who can be covered:
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