Public Liability Cover
A must for all in the building trade, public liability insurance covers third party accidents. The coverage includes damage to both people and property and can cover medical and legal costs that are associated with the insurance event. Policies should cover costs of at least £1m, although some offer up to £5m as standard.
Employers’ Liability Insurance
If you employ someone in the course of your work, no matter if they are a full-time worker, part-time apprentice or even work experience placement, you are legally required to have this policy in place. While serious injury remains a remote possibility, as long as safety procedures are correctly followed even the most experienced workers face some risk when it comes to large renovation works.