Cavity wall insulation installer insurance

Public liability insurance covers you for claims made against your cavity wall insulation installation company by members of the public who may experience an injury or damage to their property because of your business, including your customers. We offer public liability insurance from £1 million to £5 million.

Example of a claim:

While installing insulation at a commercial property, you accidentally scratch a parked car as you walk from your van to the building while carrying your foam gun. The owner of the vehicle takes legal action, making a claim against your business for property damage and expects you to pay for the repair of the damage caused. 

If you have employees working on behalf of your cavity wall insulation company, by law, you need to have employers’ liability insurance in place with a value of £5 million as a minimum. This protects your business if one of your employees sustains an injury or becomes unwell while carrying out their job.

Example of a claim:

An employee slips and falls while working from a height when the rung of the ladder they are standing on becomes loose. They sustain severe injuries, meaning they are unable to work while they recover from the incident. Your employee processes a claim against you for their injuries and loss of earnings due to not being able to continue working.

Tools insurance offers financial cover in the event you need to replace your equipment. You will be covered if a flood, fire or theft means your tools go missing or become damaged. We offer portable equipment insurance from £1,000 to £5,000 per person.

Example of a claim:

The building where you securely store your expensive tools is broken into. You use your tools insurance to claim for the replacement cost of your missing equipment.

Legal expenses insurance can help to cover the cost of defending or pursuing legal actions against other parties such as suppliers, clients or employees. This could be for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. There is a limit of £100,000.

Example of a claim:

A supplier has failed to deliver building materials you’ve paid for and is ignoring your requests for a refund. You face the costs associated with recovering the debt owed to you.

If you are unable to work as a result of an injury you have sustained from carrying out your job, or while you are travelling to or from work, occupational personal accident insurance has you covered. Depending on your injuries, you may receive a single lump sum or weekly payments.

Cover the equipment and machinery you use as part of your cavity wall insulation business with owned plant insurance. This provides financial protection should anything be stolen or becomes damaged with cover ranging from £10,000 to £50,000.

If you rent equipment from a hire company but it goes missing due to theft or it becomes damaged, hired in plant insurance will cover you. Our policies range in value between £10,000 and £50,000.

Should you need to revise any of the cavity wall insulation work you’ve carried out due to an event such as fire, flood, theft or malicious damages, contract works insurance can cover the costs involved.

To be protected in the event your materials are lost or damaged while being transported from one location to another, goods in transit insurance is a must. This type of policy covers goods that are being moved by a courier or even in your own work vehicle.

If you provide designs or advice as part of your business model, it’s a good idea to have professional indemnity insurance in place. This type of insurance handles any compensation costs or legal fees that may come your way if a client takes legal action against you for an error in the services you have provided.