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Construction

Construction is a complex and ever-changing industry, with a wide range of risks involved. From accidents and injuries to property damage and lawsuits, construction companies and project owners face a variety of potential financial losses.

Construction insurance is a comprehensive type of insurance that protects construction businesses and their clients from a wide range of risks. It can help to cover the costs of accidents, injuries, property damage, and lawsuits, as well as other unexpected events.

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Insurance Solutions

Types of construction insurance available

There are many different types of construction insurance available, each designed to meet the specific needs of different businesses and projects. Some of the most common types of construction insurance include:

Public liability insurance

This type of insurance covers third-party bodily injury and property damage claims. It is essential for all construction businesses, regardless of size or industry.

Employers liability insurance

This type of insurance provides financial benefits to employees who are injured or become ill on the job. It is required by law in a lot of jurisdictions (but not ROI at present).

Motor Fleet insurance

This type of insurance covers damage to the insured's vehicles, as well as liability for accidents and injuries caused by the vehicles. It is required by law for all businesses that operate vehicles in a public place to have insurance place.

Contract Works insurance

This type of insurance covers damage to construction projects in progress. It is essential for all construction projects, regardless of size or complexity.

Contractors property insurance

This type of insurance covers damage to the insured's property, such as buildings, equipment, and inventory. It is important for construction businesses that own or lease property.

In addition to these basic types of construction insurance, there are a number of other specialised policies available, such as professional indemnity insurance, product liability insurance, and environmental liability insurance.

Here are some specific examples of how construction insurance can help:

  • A construction worker is injured on the job and files a lawsuit against the contractor. Employers Liability insurance will cover the cost of the lawsuit and any damages that are awarded to the worker.
  • A construction site is damaged by a storm. Contract Works insurance will cover the cost of repairing the damage.
  • A construction company makes a mistake in the design of a building, which leads to property damage once the building is completed. Professional indemnity insurance will cover the cost of defending the company against any lawsuits that are filed as a result of the mistake.
  • A construction company sells a defective product, which causes injury to a consumer. Product liability insurance will cover the cost of defending the company against any lawsuits that are filed as a result of the injury.

These are just a few examples of the many ways that construction insurance can help to protect businesses and their clients. If you are involved in the construction industry, it is important to talk to JV Hutton to make sure that you have the right cover in place.

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GET EXPERT ADVICE

The construction industry presents complex exposures and liabilities, which demand a high level of specialist knowledge and expertise. JV Hutton have been present in the construction insurance market since its foundation in 1995.
Get in touch today!

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