Public & Employers Liability
Liability insurance is designed to protect you and your business against someone being injured or their property being damaged for which you are responsible. In a “Claims Culture World” any self-employed person or business owner should protect themselves from claims through negligence to a member of the public or their property, as well as injury to their own employees.
This area of insurance is very confusing for members of the public and requires assistance from a specialist like IBA Insurance Services Ltd. That is why we get to understand exactly our clients requirements to make sure we can obtain the correct type and level of cover, at the most competitive premium, from a reputable insurer.
No matter how unusual your trade we pride ourselves in being able to obtain quotes. We currently provide our services to many types of trades be it the self-employed builder, plumber or electrician to specialist sports ground maintenance, offshore wind monitoring or deep drilling firms.
Being a contractor carries certain obligations and legal responsibilities. You have a financial responsibility to your client for errors or negligence, as well as a legal responsibility to your employees and subcontractors. This type of insurance is designed to cover a wide range of occupations mainly those in the building and allied trades including builders, electricians, shop fitters and many more.
In most cases contractors are responsible for works and materials until the contract is completed and handed back to the owner. If a claim did occur prior to this happening you would be responsible for the costs of fulfilling the contract.
We deal with numerous insurers and schemes for this type of insurance and so can obtain quotes to make sure you always get the most competitive premiums for the levels of cover you require. A Contractors insurance policy can provide the following covers;
Public & Products Liability
Contract Works (value of the contract)
Own Plant & Machinery
Hired-in Plant & Machinery
Professional Indemnity (if required)