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Cover overview
As a contractor you're exposed to risks that others aren't. We provide cover for contractors who work on construction projects, to protect against the unexpected that can affect your work, materials, plant, tools and equipment.
What's covered:
- Damage to contract works and materials while you’re at or travelling to or from the contract site.
- Damage to machinery or plant you own or hire.
- Professional fees incurred for repairing or reinstating contract works.
- Continuing hire charges where hired-in plant is damaged, up to £25,000.
- Employees’ tools, up to £500 for any employee.
- Recovering immobilised plant, up to £25,000.
- Damage to hired machinery and plant, which you cause, up to £25,000.
- Reproducing plans, drawings and specifications, up to £25,000.
- Private dwellings you’ve built or renovated, for up to 180 days after completion.
What's not covered:
- Damage to contract works with a certificate of completion.
- Damage to existing structures.
- Penalties under any contract for delay, lack of performance or loss of contract.
- Wear, tear and gradual deterioration, and faulty or defective workmanship.
- Theft of portable tools from unsecured areas outside working hours or from unattended vehicles unless locked, keys removed, and there is forcible entry.
- Tower cranes and licensed vehicles.
This is not an exhaustive list, more information can be found in the important documents section.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
