Policy overview
The policy includes
- Book debts
- Business (all risks)
- Business interruption
- Contract works
- Employee dishonesty
- Employers’ liability
- Goods in transit
- Money and assault
- Personal accident
- Property damage
- Public and products liability
- Terrorism
What we cover*
- Air conditioning and heating engineering
- Bathroom fitting and installation
- Building – new construction and repair or alterations
- Electrical contracting (excluding alarm companies)
- Fencing contractors
- Floor and wall tiling contractors
- Flooring contractors
- Glazing contractors
- Groundworkers (up to 8m depth limit)
- Joiners and carpenters
- Kitchen fitters
- Landscape gardeners excluding tree felling and lopping
- Office equipment engineers
- Painters and decorators
- Plasterers
- Road, sewer and land drainage (up to 3m depth limit and excluding work on bridges, motorways and viaducts)
- Roller shutter, gate and door installers
- Shopfitters
- Sign writers
- Sport surfacing contractors
*But not limited to
What we consider
- Heating and ventilation contractors
- Non-licensable asbestos removal
- Plant hirers
- Plumbers and gas fitters
- Risks involving the use of tower cranes
- Risks where full design cover (DE5) is required
What we normally decline
- Any work involving piling
- Blast furnace erectors & repairers
- Bridge construction, repair and resurfacing
- Civil engineering contractors, groundworkers, road, and sewer contractors (working to depth 8m or more)
- Cleaning of exteriors of buildings
- Contracts or operations in Republic of Ireland
- Demolition contractors
- Explosive contractors
- Insulation contractors
- Licensable asbestos removal
- Property/speculative developers
- Railway & tramways construction and alteration
- Roofing contractors
- Scaffolding contractors
- Shuttering, formwork contractors
- Steel reinforcing contractors
- Structural steel erectors
- Timber-framed building and 100% non-standard materials
- Tunnelling contractors
- Work on bridges, dams, dredging, docks, piers and wharves