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How does construction and building insurance work including protecting me?

Date Added: November 18, 2011 07:20:08 AM
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How does construction and building insurance work including protecting me?


When planning on having any major construction or building work being carried out, insurance is essential due to the amount of money involved in having the construction works carried and paying professional fees.  If anything goes, it could be very expensive to resolve.

Most construction and building work is very hazardous and may involve:

•    Covering the existing building while the work is being carried out
•    Damage to third party property
•    Fire damage
•     Loss of money
•    Loss of plant and materials
•    Loss of temporary works and temporary site buildings
•    Personal injuries and accidents to the visitors, occupiers and third parties
•    Theft and vandalism

Other cover necessary as a business expense will be:

•    Car and van insurance
•    Employer’s liability insurance
•    Hire of plant and equipment insurance
•    Legal expenses cover
•    Professional indemnity insura
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