What type of insurance cover is available for a paving contractor?
No two businesses are the same. Cover can be arranged that reflects your particular requirements, so no matter whether your laying flags or block paving on a patio or driveway, laying road surface or large car parks where ground working may be involved, kerbstones or asphalting a car park, we can help.
Paving contractors Portable Hand Tools Insurance
Depending on the type of work you are carrying out whether you just use hand tools such as spades and shovels, mechanical saws, and the occasional Wacker plate the requirement for further cover could be limited, in this event though Portable Hand Tools cover could be considered essential to make sure that these types of tools can be quickly replaced should they be lost, theft perhaps ensuing that you get back to your job with the minimum of disruption.
Hired in Plant Insurance for Paving Contractors
Having your own hired in plant policy not only saves you money on hire charges it’s a very competitive way to cover the plant that you are responsible for, it also gives you wide flexibility on where the plant is and what is used.
Contractors Combined Insurance for Paving Contractors
As your business grows trying to handle many different policies can become quite unmanageable, having a Contract Works insurance policy or a contractor combined in place means that you can bring all your cover requirements together. Typically a Contractors Combined Insurance policy for a Paving Contractor might include
Public Liability Insurance
Employers Liability Insurance
Premises & Machinery Insurance
Contractors Hired in Plant Insurance
Own Machinery Insurance
Motor Fleet Insurance
Accident & Sickness Cover
Directors & Officers Liability
Legal Expenses Insurance HMRC disputes IR35 etc
Can my paving materials be covered whilst on-site?
They can, paving materials whilst on site can either be covered on a Contract Works Insurance which covers the world themselves or they can be covered under a contractor’s combined insurance.
It makes sense particularly on a larger contract that all your materials are delivered to the site in larger quantities, allowing the contract to flow much better and giving your employees access to everything they need all in one place. Sometimes when materials of any type are left in the open or without protection from such issues as theft problems can occur, theft, malicious damage, damage to existing work can all pose a problem. Speak to us about protecting your materials whilst on site.
Why obtain Paving Contractors Insurance Policy for Real Insurance
Real Insurance is a specialist broker to the construction industry and we have expansive experience arranging insurance for contractors and sub-contractors. We are not a call center, we are a commercial insurance specialist that will take time to understand your business before recommending the types of cover that you may need and getting you quotes. We are very happy to provide advice.
Hassle-free, we’ll be happy to help you understand what protection different covers provide and why you may need them. In some cases, you may need the cover by law such as Employers Liability and of course vehicle cover in others, it could be a stipulation of the contract that you have with the main contractor or your client.
Typically, paving contractors will need to consider public liability insurance, employers liability insurance, and contract works cover. If you use specialist machinery and equipment such as JCBs, vibrating plate compactors, or heavy rollers, whether hired in or owned, you may need to get plant insurance and we can help you with a full program of covers.