Driveway installers insurance

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

• damage to someone’s property, caused by your business activities
• illness or injuries as a result of your business
• employees causing accidental damage or injuries

For example:

• while hosting a meeting, you leave a cable running across the open office floor and your client trips, spraining their ankle
• you serve a client sandwiches with a trace of sesame seeds, causing an allergic reaction
• your employee drops heavy equipment on your client’s floor, causing extensive damage

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• injuries to staff (including casual labourers and contractors) that are caused as a result of your business
• illness suffered by an employee (including temps and casual workers) caused by working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• your office manager breaks their finger while trying to close a faulty window at your business premises
• your receptionist trips over a cable running across the floor of your office, breaking their ankle
• a temp worker scratches their arm on one of your tools, and the injury becomes infected

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business equipment insurance?

Claims against your business for:

For example:

• a faulty toaster causes a fire in your office kitchen, badly damaging the oven and microwave
• a three-piece sofa suite is ripped by vandals and needs replacing
• thieves break into your office and steal three tablets used by your sales team

Read more about business equipment insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

• loss of stock, and theft or malicious damage to your stock
• damage or destruction to stock caused by fire or flood
• the essentials you keep as stock – the items you need to sell to operate

For example :

• flooding in your storage unit destroys your stock
• you make a big Christmas packaging order that’s stolen while you’re speaking with a supplier
• someone drives into your shop, smashing the windows and destroying a week’s worth of stock

Read more about stock insurance

Tool insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tool insurance?

Claims against your business for:

• accidental damage to your tools and equipment
• theft of the tools you use for your business
• loss of your business tools

For example:

• your tools are stolen from your car or van
• you lose some expensive equipment on the way to a job
• a flood causes irreparable damage to your tools

Read more about tool insurance

Own plant insurance

In case plant machinery, like excavators, you own is lost, stolen, or damaged.

What’s typically covered by own plant insurance?

Claims against your business for:

• damaging someone else’s property while working on a development site, or afterwards as a result of your work
• damage or destruction caused by vandalism
• damage or loss to your plant machinery, like a digger

For example :

• your forklift damages a van parked nearby, while you’re manoeuvring on site
• you’re building an extension for a customer and someone breaks into your works site, vandalising the premises and causing substantial damage
• you’re parked up outside a service station and thieves steal a generator from your trailer

Read more about plant machinery insurance

Hired-in plant insurance

In case plant machinery, like excavators, you’ve hired in is lost, stolen, or damaged.

What’s typically covered by hired-in plant insurance?

Claims against your business for:

• expensive costs and charges, if hired equipment gets damaged, lost, or stolen
• equipment that’s on-site or in transit
• causing injury or property damage while you’re working, or afterwards following your work

For example :

• thieves steal a generator from your trailer while you’re taking a break at a service station
• you accidentally drive a digger through someone’s fence while working on site
• a hired cement mixer and generator are made unusable following a flood

Read more about plant machinery insurance

Contract works insurance

In case your building work in progress is damaged by something like a fire, flood or vandalism.

What’s typically covered by contract works insurance?

Claims against your business for:

• work in progress on domestic and commercial sites
• on-site damage to your tools that you need to complete the job

For example :

• a storm causes damage to your place of work, setting back the project
• a fire destroys your tools that you left at work
• your work is damaged after a break-in, meaning you’ll have to start from scratch

Read more about contract works insurance

Business interruption insurance

In case something is stolen or damaged and you lose income.

What’s typically covered by business interruption insurance?

• you can’t trade because of stock, contents, or building damage

For example:

• your inventory is damaged and you lose income because you’re unable to sell
• your work laptop is stolen or damaged and you can’t run your business

Read more about business interruption insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

What’s typically covered by business legal insurance?

Claims against your business for:

• costs and expenses for contractual disputes arising from an agreement
• cases relating to civil action taken against you for compensation under data protection legislation
• employment disputes and compensation, for both employees and volunteers

For example:

• a client says that your work wasn’t delivered on time and that you didn’t meet your contractual obligations, and they’re refusing to pay
• your employee leaves their laptop unattended in a coffee shop, and a third party is able to lift a customer’s data
• you need to dismiss an employee following client complaints, and they threaten to file an unfair dismissal lawsuit

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or away from work.

What’s typically covered by personal accident insurance?

• compensation if you or an employee are injured in an accident, including weekly payments if you or they are unable to work for two weeks or more
• virtual Medical Care service with unlimited 24/7 access to medical advice, consultations, referrals and prescriptions
• 24/7 access to myStrength emotional health support app

You can buy this cover for:

• yourself
• your employees

For example:

• imagine one of your employees breaks their leg in an accident and is out of work for six weeks. Personal accident insurance would provide £300 for the broken leg diagnosis. After the employee’s second week off, you’d receive four weekly payments to assist with costs during their absence. You could use the money as you wish – whether for loss of earnings, hiring a temporary replacement, or compensating the injured employee.

What’s not covered?

• issues caused by sickness, illness, or disease
• conditions that develop over time without a direct connection to an accident
• mental illness, even if triggered by an accident
• self-inflicted injuries
• accidents that occur under the influence of drugs or misuse of medication
• deliberate exposure to danger, except when attempting to save a life
• injuries caused by taking part in a professional or semi-professional sport

Read more about personal accident insurance