Are you looking for Builders Insurance?  

Trying to find an insurance policy that covers your business and interests correctly can be a daunting task. We provide insurance from a wide range of industry specialists and tailor them to your specific requirements.  

 

We can insure all types of trades, whether you are a sole trader, partnership or limited company. Often standard policies will only cover the most basic services and leave you without cover for much of what you do. 

 

We can help you find a policy with the covers you require.  

Our dedicated and qualified staff take the time to get to know you and your business to try and find the best cover from the most reputable insurers and in most cases can offer a site visit to take your information and in addition to this we can offer health and safety advice and risk management information. 

 

We remain your sole contact throughout the term of your contract and we are actively involved in dealing with and resolving complaints before they lead to claims against you as well as always being on hand to assist with any mid term adjustments and changes you may need to make as and when they occur. 

 

Town & Country are a national brokerage remaining local in our working practices.  

Our aim is to understand our clients insurance requirements, the needs of the sector, take time to listen and deliver the right cover at the right price. 

 

For a free no obligation quote simply provide your contact details below or give us a call now on (01769) 572557 and talk to one of our specialist advisers. 

As a builder or a contractor, your main priorities in regards to insurance is going to be to ensure you have your public and employment liabilities insurance sorted. Other than that there may well be a few other insurances that you will require, but each builder and contractor are different in size and in how they operate. What we recommend is to give our offices a call and speak to a qualified insurance specialist. 

 

We will be able to ask you the right questions about your operation and assess your risk according to scale and without assumption. Something you are not going to get by using an online provider which could see you out of pocket should you not be covered appropriately. 

We will assess your risk and then approach our pool of insurers and cherry pick the very best options for you, this way you end up with the very cheapest rate and high-quality cover. 

 

Public liability insurance covers compensation you have to pay a client, contractor or member of the public due to accidental injury or property damage as a result of a negligent act. This could be something that happened at your business premises such as a client slipping on a wet floor, or something outside your workplace such as an employee spilling coffee over a client’s computer when visiting their office. 

 

Public liability insurance will provide your business with important protection if you: 

 

This section covers your legal liability arising out of accidental injury to members of the public or accidental loss of or damage to their property resulting directly from the business within the Territorial Limits during the period of insurance (including claimants’ costs and expenses) Legal defence costs in defending a claim are also insured, subject to insurers agreement. 

 

The minimum Limit of Indemnity provided for Public Liability tends to be £1,000,000 for any one event. There is an option to increase to £2,000,000 or £5,000,000 for most trades. 

 

Territorial Limits: England, Scotland, Wales, Northern Ireland, the Channel Islands, the Isle of Man, and often any member country of the European Union 

 

Liability arising from work in or on or in connection with; docks, harbours or railways, watercraft or offshore, gas or oil installations, chemical or petrochemical works, oil or gas refineries or storage facilities, aircraft, airports or airfields, collieries, mines or quarries, power stations and any installation where nuclear processing is undertaken.