As we strive to understand our proposers business models, we are always open for discussion on additional trades that make up the UK SME market, that don’t immediately mirror those eligible trades and project types specified above.
- Contract Works Damage: This cover protects against physical loss or damage to contract works, including materials (incorporating free issue materials and re-used materials), and equipment supporting construction activities.
- Additional Coverage Options: Clients can also opt for cover for owned plant, hired plant, and employee belongings, allowing for a customised insurance solution that meets their specific needs.
Contract Works
- Extended maintenance
- DE4 defective design basis
- £250,000 Offsite storage
- Coverage for Building Information Modelling (BIM) fees and data
- Coverage for BREEAM certification additional costs
- Automatic increases for both VAT omission and contract price increase
- Coverage for fly tipping at the contract site
Contractors Plant
- 1 year reinstatement as new cover for owned plant (option for 2 years)
- Coverage for installed security devices
- Coverage for lost keys
- Coverage for AI, AR and VR tools and date at contract site
- Coverage for drones and other remote-controlled equipment and data at contract site
- Coverage for the costs of remedy for solidification of additive manufacturing equipment at contract site
- Coverage for the hire of substitute plant following damage to owned plant
- Coverage whilst temporarily removed to the EU
General
- Guaranteed declaration adjustment additional premium waiving (<25% of original premium)
- Coverage for pollution clean up costs
- Coverage for fire brigade charges
- Coverage whilst on roll on/roll off ferry
- Abseiling
- Acoustic & Sound Engineer
- Aerial Erection
- Air Con, Heat & Vent, Ductwork
- Alarm Installation & Maintenance
- Artexing Contractors
- Asbestos Removal
- Asphalt Lay, Macadam & Surfacing
- Basement Contractor
- Bathroom Installation
- Blind Fitting
- Block Paving Contractors
- Boiler Services
- Bricklayers
- Bridge Construction, New (‘Footbridge, Non-vehicular)
- Bridge Work, Existing (Non-structural)
- Builders
- Carpentry & Joinery
- Carpet Fitters
- Cavity Wall Insulation
- CCTV Installation
- Ceiling Contractors
- Central Heating
- Chair Lift Install & Maintenance
- Chimney Contractors
- Civil Engineering
- Cladding Contractors
- Cleaning Contractors (Industrial, Commercial)
- Concrete Contractors
- Conservatory Erection
- Curtain Fitting
- Curtain Walling
- Damp Proofing & Control
- Decking Installation & Treatment
- Decorating Contractors
- Demolition Contractors (not in isolation)
- Diamond Drilling (Concrete, Aggregate or Composite Materials)
- Domestic App. Install & Repair
- Double Glazing Installation
- Drainage Contractors
- Drilling (Directional, Ground, Microbore) surface only risk
- Dry Stone Walling
- Drylining
- Ductwork Installation
- Electricians
- Exhibition Stand Erectors
- Fencing Contractors
- Fire Systems Contractors
- Fit Out Contractors
- Floor/Foundation Contractors
- Flooring Contractors
- Formwork Contractors (not in isolation)
- Garage Door installation
- Garage Erectors
- Garage Plant Installation
- Gas Fitters
- Glazing Contractors
- Groundworkers
- Guttering Installation & Cleaning
- Gym Equipment Installation
- Harling
- Heating & Ventilation Engineers
- Highways (Maintenance / Resurfacing)
- Highways (New)
- Hydraulic Engineering
- Insulation Contractor
- Joinery & Carpentry
- Kerbing
- Kitchen Installation
- Landscape Contractors
- Lift Engineer
- Lighting Engineers
- Lightning Conductor Installation
- Locksmith
- Loft Conversion
- Loft Installation
- Macadam Laying
- Machinery Installation Not Otherwise Classified (Robust)
- Machinery Installation Not Otherwise Classified (Sensitive)
- Masons
- Mastic Sealant Contractor
- Office Equipment Installation
- Painters
- Partitioning
- Paving
- Pebble Dashing
- Piling
- Pipework Contractors
- Plastering
- Playground Equipment Installation & Maintenance
- Plumbers
- Property Maintenance
- Racking Installation / Maintenance
- Refrigeration Engineer
- Rigging / Netting Contractors
- Roller Shutter Installation
- Roofing
- Roughcasting
- Safety Netting Installation
- Satellite Dish Installation
- Scaffolding (not in isolation)
- Shed Erectors
- Shelving Installation / Maintenance
- Shuttering Contractors (not in isolation)
- Sign Erection
- Sign Writing
- Site Clearance
- Slot Cutting
- Soft Strip
- Solar Panel Installation
- Sound Engineers
- Sports Surfacing Contractors
- Sprinkler Install & Maintenance
- Stair Lift Install & Maintenance
- Steel Erection / Reinforcement
- Steeplejacks
- Street Furniture Installation
- Street Lighting Installation
- Telegraph Pole Installation
- Telephone System Installation
- Terrazzo Work
- Traffic Management
- Tree Surgeons
- Underpinning
- Upholsterers
- Utilities Contractors
- Wall Tiling
Typically these will include high value timber frame risk, heavier civil engineering risk, or more generally where watercourse proximity is present, as examples’. We would be pleased to discuss matters in more detail with you, on an individual risk by risk basis.