Cladding 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, because of your business
• injuries or illness caused by your business activities
• an employee (if you have any) accidentally damages property or causes injury

For example:

• a client is injured by a forklift operator while visiting your business, and makes a claim against you
• a maintenance professional slips on your shop floor following a spillage, fracturing their knee
• your employee uses a new product with a client, and they have an allergic reaction to it

**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 cladding business

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury to someone you employ, including contractors and temps, that happens as a result of working for you
• a member of staff (including casual workers) falling ill due to your business

**Employers’ liability insurance is usually required by law if you employ anyone – including part-time staff, temporary workers, and in most cases, volunteers. Without it, you could be fined up to £2,500 for every day you don’t have cover in place. A main exemption is unincorporated family businesses where all your employees are family members.**

For example:

• one of your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
• a temporary employee traps their hand in a door at your premises, causing several fractures
• a member of staff trips on a ledge on their way to a meeting, injuring their hip

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:

• destruction and damage of your contents equipment, such as furniture or photocopiers
• cover for flood or fire damage, plus theft and vandalism

For example:

• some of your business equipment, including a printer, is damaged by a fire
• several TV screens you use for virtual meetings are stolen by thieves
• an upstairs leak in your premises causes damage to the sofa and chairs in your reception area

Read more about business equipment 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

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

• damage to (and loss of) stock, following fires, floods, or vandalism
• theft of stock following a break-in
• costs involved with replacing the stock you need to operate

For example :

• someone forces entry to your business premises and steals from your stockroom
• an important stock order falls from the back of your van and is never recovered
• you’ve taken a stock delivery, which is stolen while you’re speaking to a neighbour

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 specialist business equipment
• theft of the tools you use to do your job
• loss of your cladding tools and equipment

For example:

• your business tools are damaged in a fire or flood
• your equipment is stolen while you’re on the job
• you lose your tools and equipment while travelling

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:

• replacement of own plant machinery should yours be damaged or stolen
• water damage to your own plant machinery
• accidentally injuring someone else while you’re working, or afterwards as a result of the work you’ve done

For example :

• an excavator is stolen during an overnight break-in at your works site
• you drill through a water pipe while working on a construction site, causing extensive damage
• your storage unit is flooded, damaging your cement mixer and generator beyond repair

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:

• repair costs for work that’s been damaged or destroyed while on the job
• labour, materials and tools that’ll get your work back to the stage it was in before the damage
• damage caused by fires, floods, storms, vandalism, or theft

For example :

• there’s a fire at your place of work, setting back the completion date of the job
• a flood destroys your specialist cladding equipment
• someone breaks into your site and steals your tools

Read more about contract works 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