Contractors Insurance Broker
Get the right cover for your contracting business
Are you looking for an insurance quote for contract works, public or employers liability for your contracting business? We can help to find specialist, competitive insurance cover, tailored to your needs.
Our expert team of insurance advisers provide advice and support to all kinds of contractors to make sure they get the right cover at the right price.
Liability and Contract Works Insurance for Contractors in Scotland
We have many years of experience helping contractors in Scotland arrange the correct cover at a competitive price. We have access to the leading insurers and facilities who have products which can be specifically designed to cover your requirements.
Type of covers available:
- Public Liability
- Employers Liability
- Contract Works
- Owned and Hired in Plant
- Tools
- Van
- Professional Indemnity
We can help all types of contracting trades, including:
- Building Contractors
- Plumbers and Gas Engineers
- Joiners and Carpenters
- Refrigeration and Air Conditioning Engineers
- Garden and Property Maintenance Companies
- Groundworkers and Paving Contractors
- Specialist or High Hazard Trades
What do I need to be aware of as a Contractor?
As an employer you have a legal requirement for employers liability cover. This provides cover in the event of your employee injuring themselves whilst at work.
Ensure you have risk assessments and method statements in place for all work undertaken and contracts you have in place. You should have a full written health and safety policy in place which should be distributed to all employees and a record kept of that process as required under the Health and Safety at Work Act 1974.
Whether you are a sole trader or a limited company you have the same responsibility to your employees and members of the public.
Do you have a large amount of tools that need insured? Where do you keep them and do you keep all of your receipts and invoices? You will need these in the event of a loss and some insurers will not cover theft from a van overnight. Beware the some insurers will restrict theft cover from a van overnight.
Ensure that the business description on your policy covers all the types of work you are engaged in. You must immediately advise any changes that may be required as new contracts are secured to ensure you have the correct cover in place in the event of a loss. For example: If you are a joiner and take on a roofing contract this is a material change to your Business and your Insurers must be advised.
Your Trusted Insurance Broker in Falkirk
If you need to claim on your policy we will help and assist you through the process. We are not here just to sell you a policy once a year but to offer support should you need to claim or there is a change to your business.
What Coversure Falkirk can do for you:
- Meet with you to discuss your needs and gather the relative information
- Approach insurers and markets on your behalf
- Recommend the most appropriate option for your needs
- Be available throughout the year, no call or processing centres for you to deal with
- Help you manage the claim process should you be unfortunate enough to suffer a loss
Why use Coversure Falkirk?
We are authorised and regulated by the Financial Conduct Authority to give advice.
We aren’t tied to any one insurance company which means we can approach the market on your behalf and make recommendations to you based on the quotes we get back.
We will explain the covers on offer, limits applicable and any specific clauses and conditions you should be aware of to ensure that you are compliant with the terms and conditions of the policy.
