26 years of insuring businesses For the last 25 years,they have provided insurance for construction trades and small businesses. They make it their business to understand your business and insurance needs so that you get the right cover at the right price. What insurance do they provide? VAN INSURANCE PROFESSIONAL INDEMNITY SMALL BUSINESS INSURANCE Why […]
26 years of insuring businesses
For the last 25 years,they have provided insurance for construction trades and small businesses. They make it their business to understand your business and insurance needs so that you get the right cover at the right price.
What insurance do they provide?
- VAN INSURANCE
- PROFESSIONAL INDEMNITY
- SMALL BUSINESS INSURANCE
Why should you get a quote from the business insurance experts today:
- Liability insurance from £43
- Currently cover over 170 trades
- They have provided over 160k customers with insurance over the last 25 years
- Get an online quote in under three minutes
- UK based call centres staffed by people who undertstand your business and the insurance you need.
What their customers have to say about constructaquote.com…
After searching the internet I found this company to be the easiest to deal with and a good price will deal with them again
PJV Refurbishments, london
They make sure that their UK based contact centre is ready to help you with your insurance and get you covered quickly and easily.
They understand your business and build an insurance quote suited to exactly what you need.
They make sure that you get the best possible customer service at all times.
Do you own your own small business?
If so you’re in good company. An estimated 99.3% of all private sector businesses in the UK are those like yours.
Clearly, that makes for a massive contribution to the force and strength of the nation’s economy.
With so much at stake, it’s important that businesses like yours are adequately protected – not only in terms of the physical assets you own, but also the wide variety of liabilities which are part and parcel of running a business.
And that is where we, at constructaquote.com can help!
Suitable and reliable business insurance might make all the difference between your enterprise thriving or going under if the unexpected happens. Without that essential cover your business might never recover from the impact of claims that may be made against it. All your hard work and effort in building it up might be demolished in an instant.
Constructaquote.com are here to make sure that if the worst does happen, you have the support of appropriate business cover to help you back on your feet in as soon a time as possible – with insurance premiums that are competitively priced
Why else choose Constructaquote.com?
- You want the business insurance that is the most cost-effective and appropriate for your business – and it is their aim to deliver just that, through:
- Their specialisation in the provision of all types of insurance cover for businesses including cover for construction trades and commercial vehicle insurance
- An expertise and experience gained over 25 years’ of operation and the 33,000 or so policies they service each year.
- An unparalleled level and quality of service – that sees 95% of their customers giving them good or excellent reviews
- Polices that can be tailored to meet your own unique business needs
- Various levels of cover available across all their products.
- Contact centre based entirely in the UK.
What protection does their small business insurance offer?
Apart from the usual threats that your business may face – (for example, if you are a tradesperson, cover for your tools against theft or damage) – you might be surprised by the number and variety of ‘hidden’ risks and perils facing your business too. Here are just a few elements of cover you may need.
Public Liability insurance
As the owner of the business you have what is called a duty of care towards your customers, visitors to your premises and members of the general public. What this means is that you need to take all reasonable precautions to prevent anyone suffering an injury or having their property damaged in some way connected with your business activities – or failure to act.
If it is alleged that you have breached this duty of care, you may face claims for compensation for the injury or damage caused. Those claims may be very substantial indeed. For that reason, the minimum level of cover typically arranged against this particular risk is £1 million – but limits of £2 million, £5 million or even £10 million are by no means uncommon, depending on the nature of the business concerned.
Employers’ liability insurance
If you employ anyone else to help run your business, you have a similar duty of care towards your employees. In this case, however, in all but a very few exceptions, the law requires that you hold a minimum of £5 million of employers’ liability insurance – as set out in the Employers’ Liability (Compulsory Insurance) Act 1969, as amended.
It is important to remember that an employee may have a valid claim against you not only for injuries, illnesses or other medical conditions contracted during the time of their actual employment by you, but many years after they have stopped working for you.
Such claims made by employees may once again be very substantial.
Professional indemnity insurance
If your business relies on giving professional advice – verbally or by way of designs or specifications, for example – to your customers, you have a duty to ensure that the advice is free of errors, mistakes or other issues which lead to your customer suffering physical injury or financial loss.
However carefully you exercise this duty, slips and errors may still occur and an aggrieved customer is entitled to sue you, claiming professional negligence. Claims may be substantial.
Certain professionals – such as lawyers, accountants, architects and builders – may be required to hold an adequate level of professional indemnity in order to practice. Even if there is no professional body insisting that you have this type of insurance, however, you may find that prospective customers require the comfort it gives before concluding any contract with you.
Legal expenses cover
From all this talk of duties of care, liabilities and claims of negligence on the part of your business, it might be easy to see how relatively easy it might be to become entangled in legal disputes of one kind or another.
Typically, therefore, business insurance also provides cover for legal fees and expenses – either for pursuing or defending some form of litigation.
The level of cover you choose may vary according to the type and nature of the business you are running, although it is worth bearing in mind that legal advice rarely comes cheap.
At constructaquote.com their business is protecting your business with the most suitable and attractively-priced cover available.
Why not get in touch today to see how they can help?
Either visit: www.constructaquote.com
Or Call: 02920 849546
2-3 Sir Alfred Owen Way, Barclay House, Caerphilly. CF83 3HU
107 Leadenhall Street, Bankside House, London. EC3A 4AF
Tel: 08081 68 68 68
Mon-Thurs 8:30am-8pm, Fri 8:30am-5pm,