Construction Insurance

Plumbers have numerous hazards that they need to consider mitigating by insurance to protect their business. From injury from slips, trips, falls, injury from machinery, damage to machines, burns, biological hazards such as chemical exposure, all the way to envirconmental pollution exposure. Insurance is available to assist with the unforeseen costs as a result of the above risks.

Electricians should consider quite a few insurance policies to best protect their business. Public Liability Insurance is priority on the needed covers as injury to third parties (including other contractors on site and your engaged subcontractors) is quite high due to electrocution risk, fall from heights. and working with hazardous materials and equipment that results in injury.

Other insurance such as machinery & tool cover are also an important consideration.

Concreting businesses have a large workers compensation, public liability and machine & equipment including vehicle exposure. This is due to the nature of the work being so phsyical. Heaving lifting, bending, exposure to chemicals and duts, use of heavy machinery are all large exposures to staff, and to others on site.

Bricklayers have a large exposure for public liability insurance claims and also Workers Compensation claims due to the physical injury from strain from repetitive motions and heavy lifting.  This is a bricklayers largest exposure.

Carpenters can be exposed to hazardous work enviornments, risk of injury to themselves, their staff, and members of the public, risk of damage or theft of their tools and equipment. Fortunately, insurance can mitigate these risks.

Formworkers have a few key exposures being Public Liability risk which would protect your business from claims brought against you for injury as a reuslt of your work, or damage caused by your activities. Workers Compensation is also a large risk due to the nature of the work being so physical, working from heights, and the equipment that is used. Weather and rain also pose a risk to the work and therefore a contract works policy could be suggested to mitigate this.

Earthmovers and excavators, as well as machinery operators have two major exposures;

Public Liability – a risk of injury to a third party as a result of your works, or damage to property such as damage to underground services or damage to surrounding structures as a result of the use of your equipment (think structural problems due to vibration etc)

Damage to Machinery – damage to machinery is easily mititgated with a comprehensive plant and equipment policy. It can cover for theft, damage, and even breakdown cover (upon request)

Roofing is deemed to be one of the most dangerous occupations due to the increase risks of falling from roofs, ladders, and scaffolding. Items also falling from heights causes a large risk for the roofing company if a third party is injured. Public Liability and workers compensation is extremely important as injury claims and even death claims from heights are extremely costly. Roofers also have an increased exposure to workplace fines and penalities by statutory bodies – fortunately, depending on your state, these can be insured.

As Glaziers are working with glass, this can result in an increased exposure to glass breakages which could injury workers and members of the public. Exposures to sealants and adhesives, along with machinery and tools used in cutting glass can result in injury which could lead to insurance claims.

Painters have a large exposure to falls, trips and the risk of injury when working at heights. Falls from scaffolding, ladders and roofs can be common but can be deadly and costly to your business. Damage to third party property from paint spills is also very common but with a comprehensive public liability policy, you can be properly protected.

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