Public Liability for Roofing and Cladding
It is imperative that your business has the correct liability insurance. Performance Direct Business Insurance has years of experience dealing with all aspects of business and commercial insurance, including providing cover for Roofing & Cladding.
If you are a roofer or cladder, you may face several insurance worries that other businesses may not. You are always at risk of the possibility of damaging a third party building that you are working on but you also need to understand the risk of sub-contractors and if they have sufficient public liability insurance as well. At Performance Direct our schemes can offer cover that can be tailor made for your business circumstances. This may include sub-contractors, working at height and using heat sources etc.
You may often have to show proof of your public liability cover to your clients’ which is easily done via a certificate of insurance that we can provide to you.
Speaking to one of our expert business insurance operators will offer the chance for you discuss any questions regarding your roofing and cladding public liability cover. By discussing your options we can guide you through the most appropriate covers and protect you against any claim that could be made against you should you fall liable. Being honest with our operators will help to obtain the correct level of cover and will ensure that your business is fully safeguarded for the future.
A false declaration of information will result in the policy not being able to pay out any claims because the policy simply wasn’t correct. Speaking to a member of our business insurance team can eradicate any chance of this happening and will also offer the chance to gain the most discount on any of our schemes.
You can always include sub-contractors as part of your public liability insurance policy, however, they will fall under two types, ‘labour only’ and ‘bona-fide’.
Labour only sub-contractors:
Labour only sub-contractors need to be covered on your insurance policy. As their employer you would supply any tools and materials and they would theoretically be treated as an employee.
Bona-fide contractors:
A bona-fide contractor should have their own insurance but it is YOUR responsibility to check that it is in place and correct. You must also inform your insurer of the amount of bona-fide sub-contractors that you are using. They work under their own direction and would invoice you for the job that is being undertaken regarding their skillset but it is still vital that your broker / insurance company knows how many you are working alongside.
Ensuring that your business is correctly insured will mean various types of cover may be needed. Aside from public liability insurance, Performance Direct can offer buildings/tenant/property owners/fleet and employers liability. Speaking direct with one of our insurance agents will give you the chance to enquire about all avenues of insurance that you may need.
It is the law that if you employ staff or you are not the sole worker in a limited company, employers liability is a requirement. Our business insurance team can offer you fantastic premiums across the whole category of business insurance.
Declaring all of the work that you take part in as well as all of the places that you could potentially work in will enhance the validity of your public liability insurance policy. Don’t leave anything to chance; our specialists are fully trained to secure the right policy for you and your business.
Our advisors are on hand to offer appropriate advice and to find a policy that’s relevant to you.
We welcome any business insurance enquiry and will be happy to help. Contact us today for a public liability insurance quotation for your roofing and cladding insurance needs.
Our dedicated UK business insurance team are happy to discuss your liability options. We have access to hundreds of insurance schemes and pride ourselves on finding the most appropriate cover that suits your needs.
For more information on gaining a roofing and cladding liability insurance policy please speak to one of our insurance agents today who will be able to search the insurance market for a policy that is as individual to you as your business.
Our schemes are there to offer you the correct insurance cover that will safeguard you and your business from any harm or damage caused to a third party in the future, should you be liable.
Public liability insurance can be confusing and time consuming, let Performance Direct guide you through your options and offer assurance when deciding on public liability.
Contact us today for a no obligations to see how we can help find you the roofing and cladding public liability insurance policy your business deserves.
