Do you need Construction Insurance? The construction i industry contains hazards therefore you’ll need to protect yourself and the public if things don’t go to plan. That is to say, if somebody makes a claim against you then public liability insurance will give you the cover you need. That is you would be covered for your legal fees and any compensation you may need to pay.

A Public liability policy isn’t a legal requirement but if you don’t have it and someone makes a claim against you, the impact on your business could be very damaging. After all, accidents can happen, even if you have the necessary health and safety procedures in place. In short, public liability insurance can cover your business from more than just financial costs. In addition, it can be vital when securing new contracts. Public liability insurance can be an essential requirement for customers – some won’t consider using you for building work without it. For example, local authorities tend to ask for a minimum cover of £5 million before you can tender for work.

When looking to take out your policy, you may consider what this may include. The answer is every policy is different to suit your needs, but here are some of the type of cover that it may include. For example:

Property Insurance – When running your charity or non profit organisation you may require premises to run from such as an office. For example, the building is an asset to the charity and this could suffer from damage such as flooding or fire so it is best to protect the building.

Charity Liability Insurance – This type of cover may also be included in your policy. This type of cover can help to protect against claims made against the charity by the public.

Employers’ liability Insurance – If you are a charity or non for profit organisation that has staff, this is a type of cover that is a legal requirement.