Protect Your Building Business

Insurance is essential for any business, large or small

, to protect your operations, clients and staff. Those in the construction industry can often be particularly vulnerable to claims and complaints, and the physical nature of the work carried out means that finding a good builders insurance policy to suit your company needs is crucial.

There are many things to consider when searching for a good policy, indeed there is no one good policy, but simply the one that is most suitable for you. You must consider those who are at risk, and when and how they require protection. It is also vital to consider your equipment and tools, and to protect them from damage or theft.

Public liability options within builders insurance policies are essential to protect the public and your customers. It will guard against any claims made by third parties (other than your employees), if they should incur any injuries or bodily harm, or additionally any damage to their property that may occur during your normal business operations. This type of insurance is crucial, particularly for those working in exposed public environments, where there are a large amount of the general public around, as well as cars etc. Accidents are unfortunate and can happen easily, so a good policy is the best way to protect yourself and your business. Public liability insurance will generally be relatively flexible, and the amount you need will depend on your businesses unique circumstances and operations.

It is also essential to consider your dedicated staff when choosing a builders insurance policy. Injury can often happen during construction, and staff must legally be protected with an employers liability policy. The level of cover that you will require is flexible, and as with public liability insurance, the options will vary to suit your businesses needs. It necessary to choose a policy that will also cover temporary staff and sub-contractors, and it should also include personal accident insurance, to cover any injury or harm that may occur to directors or principals. Again, accidents are unfortunate but should be anticipated and preceded with a good builders insurance policy to protect both you and your staff.

One of the most essential parts of your business, apart from the staff, is your stock of tools and equipment. If these are damaged, lost or stolen, your business would be unable to function and serious losses would be incurred. Larger builders may have business premises where their equipment is stored. This can be easily protected with contents and building insurance, however many smaller businesses will have no premises, and will store their tools either in their homes or in a van or similar. Whichever applies to you, it is still essential to ensure that your tools are protected against any damage, including theft in particular. It is also crucial to ensure that they will be covered by your builders insurance policy when they are in transit. Both large and small businesses must move their equipment on a daily basis, and your cover should protect your tools both on and off site.

Finding the right policy should be easy, and once your business is protected you can be confident that you are covered in any eventuality.

by: Robert Marshall

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