Construction Sector Insurance

Public Liability isn’t necessarily a legal requirement but a lot of contracts issued will contain clauses requiring the contractor to hold Public Liability Insurance, therefore making it a contractual requirement.

​Employers Liability insurance is required by law if you have employees so you must consider this when purchasing your insurance policy. If you are unsure on some of the criteria you can call our team on 0116 269 0999.

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Qdos Contractor have been dedicated to the contracting industry for over two decades, boasting an excellent reputation for customer service alongside competitive premiums.

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In addition:

• Our quote process is quick and easy whether online or over the phone.
• Instant cover is available so you can get covered even if you are purchasing last minute at the airport.
• Documentation is available immediately, both via your online account and email.
• Every contractor is assigned an account manager, giving you a personal service whether you speak to us once a week or once a year.
• We provide a free IR35 Contract Assessment with most policies (applies to Public and Employers Liability) so you can have your contract checked for IR35 compliance.
• You can choose to pay annually or monthly to suit your needs.
• Our UK customer service team are available evenings and weekends in addition to normal working hours, so you can speak to an adviser when most convenient.

Generally operating on client sites with tools and equipment, Liability Insurance is highly important for tradespeople operating as a sole trader or limited company.

Working on site, tradesmen are susceptible to claims for damage to third party property, and potentially injury to a third party. Public Liability cover will protect your business in the event of such a claim. Liability insurance can provide clients with the peace of mind that you are suitably protected, and therefore so are they, in the event that a mistake is made which may cause damage or injury.

Public Liability policies are offered at a range of indemnity limits to suit the needs of your business. Employers Liability is also available at an additional premium to protect you from claims for injury/death to an employee. Please assess your risk before purchasing.

Contractors All Risk insurance covers damage caused to property by a range of different events such as fire, flood, storm, vandalism or theft. The policy will cover damage caused by anything not excluded, this is why it’s named ‘all risks’.

Personal Accident Insurance provides a lump sum in the event of suffering bodily injury as a result of an accident, ensuring you can continue to pay your bills whilst you may not be able to provide your services.