Tailored Commercial Insurance Solutions for a Range of Industries

Every business is unique in many respects, and regarding insurance, you need to ensure that you are covered for every eventuality. If you are in the construction industry, for example, there is a constant risk of injury to all the workers,especially those working at height, and at OnSite Insurance, we have tailored comprehensive policies that are specifically designed for those working at height. Many contractors are looking for construction insurance that also covers any self-employed workers they might wish to use, and at OnSite Insurance, our comprehensive working at height policy gives you real piece of mind, as your directly employed staff and any subcontractors are covered by the same comprehensive policy.

Legal Requirement

As you probably know, builders’ insurance is compulsory for all construction employers, which covers any claims made by injured parties, and the reason this cover is compulsory is to ensure that any person who suffers an injury will be compensated fairly. A personal injury claim could run into millions of pounds, and without adequate insurance cover, a case such as this could force a business to close, and with the minimum cover at 5 million pounds, this ensures that any injured party is covered.

Comprehensive Working at Height Cover

Every builder should have adequate insurance for all their site workers, and at OnSite Insurance, we’ve got you covered no matter what. Whether working on a scaffold tower, ladder, or pair of steps, our comprehensive working at height policy is the only insurance you need, and aside from meeting the legal requirements, this policy covers any employee - direct or subcontract – that has an accident while working above ground. This policy is ideal for roofing contractors, as it covers ever eventuality, and we can tailor the cover to include other situations, should it be required.

Employers’ Liability Insurance

Even though it is a legal requirement for every employer to take out adequate employers’ liability insurance, and the minimum cover is 5 million pounds (most contractors take out a lot more), and it matters not whether your business is a limited partnership of you are a sole trader, we can tailor affordable employers’ liability insurance, which can be coupled with the public liability cover that is also compulsory for all registered businesses. Public liability insurance covers youir business against claims made my members of the public for both personal injury and property damage. It might be a customer who injured themselves at your business premises, or even a passer by who is hit by falling debris on a construction site, and as a business owner, it is your responsibility to protect your company in the event a person makes a claim for compensation.

Contracts Insurance

Rather than taking out a policy that covers you for any eventuality, it is often wiser and more affordable to take out a comprehensive policy that covers your company for the duration of the contract. This contractors’ insurance policy can be tailored to suit your needs, and whatever your chosen industry, the chances are we have other clients in that field, giving us the experience to service a wide range of industries, which include the following:

·        Construction

·        Factory & Warehouse

·        Retail Outlets

·        Welding & Engineering

·        Plant & Machinery Operation

If you are soon to launch your new business and would like a no obligation quote for all your insurance needs, fill in the online form, or call us on 01902 324 194 and we’ll be happy to quote you for the right insurance. If you live in the Midlands, why not pay us a visit at our Wombourne offices, which are situated on Church Road, and we can advise you on any aspect of commercial insurance.