Builder's insurance - Revision history

Designing Buildings at 07:36, 9 December 2020

2020-12-09T07:36:55Z

← Older revision		Revision as of 07:36, 9 December 2020
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	* Public liability insurance.		* Public liability insurance.

−	[[Category:~~Research_/_Innovation~~]] [[Category:~~DCN_Research,_Development_and_Innovation~~]] [[Category:Health_and_safety_/_CDM]] [[Category:Property_law]] [[Category:Client_procedures]] [[Category:Contracts_/_payment]] [[Category:Procurement]]	+	[[Category:DCN_Definition]] [[Category:DCN_Guidance]] [[Category:Research_/_Innovation]] [[Category:Health_and_safety_/_CDM]] [[Category:Property_law]] [[Category:Client_procedures]] [[Category:Contracts_/_payment]] [[Category:Procurement]]

Editor at 17:56, 24 July 2019

2019-07-24T17:56:30Z

← Older revision		Revision as of 17:56, 24 July 2019
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	For more information about types of insurance, see: Insurance for building design and construction.		For more information about types of insurance, see: Insurance for building design and construction.

−	~~= Find out more =~~	+	= Related articles on Designing Buildings Wiki =
−		+
−	=== Related articles on Designing Buildings Wiki ===	+

		+	* Bondsman
	* Contractors' all-risk insurance.		* Contractors' all-risk insurance.
	* Employer's liability insurance.		* Employer's liability insurance.
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	* Public liability insurance.		* Public liability insurance.

−	[[Category:Research_/_Innovation]] [[Category:Health_and_safety_/_CDM]] [[Category:Property_law]] [[Category:Client_procedures]] [[Category:Contracts_/_payment]] [[Category:Procurement]]	+	[[Category:Research_/_Innovation]] [[Category:DCN_Research,_Development_and_Innovation]] [[Category:Health_and_safety_/_CDM]] [[Category:Property_law]] [[Category:Client_procedures]] [[Category:Contracts_/_payment]] [[Category:Procurement]]

Editor at 15:50, 6 February 2018

2018-02-06T15:50:00Z

← Older revision		Revision as of 15:50, 6 February 2018
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	* How to find a builder.		* How to find a builder.
	* Insurance.		* Insurance.
		+	* JCT Clause 6.5.1 Insurance.
	* Legal indemnity insurance.		* Legal indemnity insurance.
	* Professional Indemnity Insurance.		* Professional Indemnity Insurance.

Designing Buildings at 17:38, 13 December 2017

2017-12-13T17:38:48Z

← Older revision		Revision as of 17:38, 13 December 2017
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		+	To help develop this article, click 'Edit this article' above.
		+
	= Introduction =		= Introduction =

−	When it comes to hiring a builder for a project, it is important to consider a wide range of factors. Whether appointing a sole trader, or a big building firm to take on a ~~much~~ larger project, knowing the background of the builder is ~~exceptionally~~ important. In particular it is crucial to ensure they have the right type of insurance for the work ~~that they are looking~~ to ~~carry~~ out.	+	When it comes to hiring a builder for a project, it is important to consider a wide range of factors. Whether appointing a sole trader, or a big building firm to take on a larger project, knowing the background of the builder is important. In particular it is crucial to ensure they have the right type of insurance for the work to be carried out.

−	= High risk industry =	+	= High-risk industry =

−	Construction is a high-risk industry, accounting for [http://ec.europa.eu/eurostat/statistics-explained/index.php/Accidents_at_work_statistics 20.9% of work-related fatalities] in the EU-28 in 2014. As a result, it is imperative that builders have the most appropriate insurance, and the most up-to-date policies to incorporate every aspect of the job that they are carrying out. If an accident occurs on a property and the builder does not have the most appropriate insurance, then the client may find themselves liable for any damages.	+	Construction is a high-risk industry, accounting for [http://ec.europa.eu/eurostat/statistics-explained/index.php/Accidents_at_work_statistics 20.9% of work-related fatalities] in the EU-28 in 2014. As a result, it is imperative that builders have the most appropriate types and levels of insurance, and the most up-to-date policies to incorporate every aspect of the job that they are carrying out. If an accident occurs on a property and the builder does not have the most appropriate insurance, then the client may find themselves liable for any damages.

	= Protecting the public =		= Protecting the public =

−	If a builder does not have the most appropriate public liability insurance, and an accident occurs ~~where a passing pedestrian is injured, then once again~~, the client may find they are held accountable. The Citizens Advice Bureau advises that all homeowners ~~should~~ ensure that any builder they are looking to hire has appropriate public liability insurance.	+	Public liability insurance is generally required to provide cover against personal injury or death, or loss or damage to property of third parties such as members of the public or independent sub-contractors.
		+
		+	If a builder does not have the most appropriate public liability insurance, and an accident occurs, the client may find they are held accountable. The Citizens Advice Bureau advises that all homeowners ensure that any builder they are looking to hire has appropriate public liability insurance. This means asking to see certificates proving that insurance is in place.

	= Protecting employees =		= Protecting employees =

	Companies that have employees must have employer’s liability insurance, by law. This can protect the employees working for the company from any injuries or accidents that may occur due to the high risk environment.		Companies that have employees must have employer’s liability insurance, by law. This can protect the employees working for the company from any injuries or accidents that may occur due to the high risk environment.
		+
		+	= Professional services =
		+
		+	Providers of professional services, such as design, should have professional indemnity insurance (PI insurance). Indeed many clients will not enter into a contractual relationship with a supplier unless they can demonstrate that they hold professional indemnity insurance to a specified minimum level.
		+
		+	= Polices =

	There are a number of different insurance options for builders to choose from, including all-risk cover, contract works cover, goods in transit cover, tools cover, plant cover and more. Knowing that a builder is covered can protect clients in the long run, as well as the people that may be affected by the work they are carrying out.		There are a number of different insurance options for builders to choose from, including all-risk cover, contract works cover, goods in transit cover, tools cover, plant cover and more. Knowing that a builder is covered can protect clients in the long run, as well as the people that may be affected by the work they are carrying out.
		+
		+	For more information about types of insurance, see: Insurance for building design and construction.

	= Find out more =		= Find out more =

Designing Buildings: moved Making sure your builder has appropriate insurance to Builder's insurance

2017-12-13T17:32:35Z

moved Making sure your builder has appropriate insurance to Builder's insurance

← Older revision

Revision as of 17:32, 13 December 2017

Designing Buildings at 17:28, 13 December 2017

2017-12-13T17:28:13Z

← Older revision		Revision as of 17:28, 13 December 2017
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	= High risk industry =		= High risk industry =

−	~~According to Eurostat, construction~~ is ~~considered to be~~ a high-risk industry, ~~with~~ [http://ec.europa.eu/eurostat/statistics-explained/index.php/Accidents_at_work_statistics 20.9% of work-related fatalities] ~~which occurred~~ in the EU-28 in 2014 ~~coming from this particular industry.~~	+	Construction is a high-risk industry, accounting for [http://ec.europa.eu/eurostat/statistics-explained/index.php/Accidents_at_work_statistics 20.9% of work-related fatalities] in the EU-28 in 2014. As a result, it is imperative that builders have the most appropriate insurance, and the most up-to-date policies to incorporate every aspect of the job that they are carrying out. If an accident occurs on a property and the builder does not have the most appropriate insurance, then the client may find themselves liable for any damages.
−		+
−	~~Due to the nature of the work environment that construction workers and builders have to work in, this is unsurprising~~. As a result, it is imperative that ~~all~~ builders have the most appropriate insurance, and the most up-to-date policies to incorporate every aspect of the job that they are carrying out.	+
−		+
−	If an accident occurs on ~~your~~ property and the builder ~~that you have hired~~ does not have the most appropriate insurance, then as the ~~homeowner, you~~ may find ~~yourself held~~ liable for any damages ~~– even if the accident wasn’t your fault.~~	+
−		+
−	In a high-risk sector such as construction, it is incredibly important for builders to not only protect themselves in the event of an injury, but also for you to ensure that you are protected by only hiring a builder that is insured correctly.	+

	= Protecting the public =		= Protecting the public =

−	If ~~your~~ builder does not have the most appropriate public liability insurance, and an accident occurs where a passing pedestrian is injured, then once again, ~~you~~ may find ~~that as the homeowner, you~~ are held accountable.	+	If a builder does not have the most appropriate public liability insurance, and an accident occurs where a passing pedestrian is injured, then once again, the client may find they are held accountable. The Citizens Advice Bureau advises that all homeowners should ensure that any builder they are looking to hire has appropriate public liability insurance.
−		+
−	The Citizens Advice Bureau advises that all homeowners should ensure that any builder they are looking to hire has appropriate public liability insurance~~, and following this advice can save you from having to pay for exceptionally high court fees and damages~~.	+

	= Protecting employees =		= Protecting employees =

−	~~If you are hiring a company~~ that ~~has~~ employees~~, then the contractor~~ must have employer’s liability insurance, by law. This can protect the employees working for the company from any injuries or accidents that may occur (due to the high risk environment).	+	Companies that have employees must have employer’s liability insurance, by law. This can protect the employees working for the company from any injuries or accidents that may occur due to the high risk environment.
−		+
−	If the contractor that you are hiring does not have employer’s liability insurance, yet they boast about the number of employees that they have, then you can be safe in the assumption that the contractor is not legitimate, and ultimately unlawful.	+

−	There are a ~~broad~~ number of different insurance options for builders to choose from, including all-risk cover, contract works cover, goods in transit cover, tools cover, plant cover and ~~much~~ more. Knowing that ~~your~~ builder is covered can protect ~~you~~ in the long run, as well as ~~all of~~ the people that may be affected by the work ~~your builder is~~ carrying out.	+	There are a number of different insurance options for builders to choose from, including all-risk cover, contract works cover, goods in transit cover, tools cover, plant cover and more. Knowing that a builder is covered can protect clients in the long run, as well as the people that may be affected by the work they are carrying out.

	= Find out more =		= Find out more =

Designing Buildings at 17:23, 13 December 2017

2017-12-13T17:23:28Z

← Older revision		Revision as of 17:23, 13 December 2017
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	= Introduction =		= Introduction =

−	When it comes to hiring a builder for ~~your~~ project, it is ~~exceptionally~~ important to consider a ~~number~~ of factors ~~prior to choosing the right contractor~~. Whether ~~you decide to go with~~ a sole trader, or ~~you’re looking for~~ a big building firm to take on a much larger project, knowing the background of the builder is exceptionally important.	+	When it comes to hiring a builder for a project, it is important to consider a wide range of factors. Whether appointing a sole trader, or a big building firm to take on a much larger project, knowing the background of the builder is exceptionally important. In particular it is crucial to ensure they have the right type of insurance for the work that they are looking to carry out.
−		+
−	~~While there may be a differentiation in opinion regarding the services that your builder of choice has carried out, this shouldn’t be the most important thing that you look at. You should~~ ensure ~~that your chosen contractor has~~ the right type of ~~builder~~ insurance for the work that they are looking to carry out.	+

	= High risk industry =		= High risk industry =

Editor at 14:58, 13 December 2017

2017-12-13T14:58:56Z

← Older revision		Revision as of 14:58, 13 December 2017
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	= Protecting employees =		= Protecting employees =

−	If you are hiring a company that has employees, then the contractor must have ~~Employer’s Liability Insurance~~, by law. This can protect the employees working for the company from any injuries or accidents that may occur (due to the high risk environment).	+	If you are hiring a company that has employees, then the contractor must have employer’s liability insurance, by law. This can protect the employees working for the company from any injuries or accidents that may occur (due to the high risk environment).

−	If the contractor that you are hiring does not have ~~Employer’s Liability Insurance~~, yet they boast about the number of employees that they have, then you can be safe in the assumption that the contractor is not legitimate, and ultimately unlawful.	+	If the contractor that you are hiring does not have employer’s liability insurance, yet they boast about the number of employees that they have, then you can be safe in the assumption that the contractor is not legitimate, and ultimately unlawful.

	There are a broad number of different insurance options for builders to choose from, including all-risk cover, contract works cover, goods in transit cover, tools cover, plant cover and much more. Knowing that your builder is covered can protect you in the long run, as well as all of the people that may be affected by the work your builder is carrying out.		There are a broad number of different insurance options for builders to choose from, including all-risk cover, contract works cover, goods in transit cover, tools cover, plant cover and much more. Knowing that your builder is covered can protect you in the long run, as well as all of the people that may be affected by the work your builder is carrying out.

Editor at 14:58, 13 December 2017

2017-12-13T14:58:08Z

← Older revision		Revision as of 14:58, 13 December 2017
Line 1:		Line 1:
−	When it comes to hiring a builder for your project, it is exceptionally important to consider a number of factors prior to choosing the right contractor for you. Whether you decide to go with a sole trader, or you’re looking for a big building firm to take on a much larger project, knowing the background of the builder is exceptionally important. While there may be a differentiation in opinion regarding the services that the builder of your choice has carried out, this shouldn’t be the most important thing that you look at. Quite simply, you should ensure that your chosen contractor has the right type of [https://www.darwinsure.co.uk/insurance-products/trade-specific-insurance/tradesmen-insurance/builder-insurance builder insurance] for the work that they are looking to carry out, and in this article, we’re taking a closer look as to why.	+	= Introduction =

−	~~High-Risk Industry~~	+	When it comes to hiring a builder for your project, it is exceptionally important to consider a number of factors prior to choosing the right contractor. Whether you decide to go with a sole trader, or you’re looking for a big building firm to take on a much larger project, knowing the background of the builder is exceptionally important.

−	~~According to Eurostat, construction is considered to~~ be a ~~high-risk industry, with [http://ec.europa.eu/eurostat/statistics-explained/index.php/Accidents_at_work_statistics 20.9% of work-related fatalities] which occurred~~ in the ~~EU-28 in 2014 coming from this particular industry. Due to the nature~~ of ~~the work environment that construction workers and builders have to work in~~, this ~~is unsurprising. As a result, it is imperative that all builders have~~ the most ~~appropriate insurance, and the most up-to-date policies to incorporate every aspect of the job~~ that ~~they are carrying out~~. ~~If an accident occurs on~~ your ~~property and~~ the builder ~~that you have hired does not have the most appropriate~~ insurance~~, then as the homeowner, you may find yourself held liable~~ for ~~any damages – even if~~ the ~~accident wasn’t your fault. In a high-risk sector such as construction, it is incredibly important for builders to not only protect themselves in the event of an injury, but also for you to ensure~~ that ~~you~~ are ~~protected by only hiring a builder that is insured correctly~~.	+	While there may be a differentiation in opinion regarding the services that your builder of choice has carried out, this shouldn’t be the most important thing that you look at. You should ensure that your chosen contractor has the right type of builder insurance for the work that they are looking to carry out.

−	~~Protecting The Public~~	+	= High risk industry =

−	~~If your builder does not have the most appropriate public liability insurance~~, ~~and an accident occurs where~~ a ~~passing pedestrian is injured~~, ~~then once again, you may find that as~~ the homeowner, you are held accountable. The Citizens advice bureau advises that all homeowners should ensure that any builder they are looking to hire has appropriate public liability insurance, and following this ~~advice can save you from having to pay for exceptionally high court fees and damages~~.	+	According to Eurostat, construction is considered to be a high-risk industry, with [http://ec.europa.eu/eurostat/statistics-explained/index.php/Accidents_at_work_statistics 20.9% of work-related fatalities] which occurred in the EU-28 in 2014 coming from this particular industry.

−	~~Protecting Employees~~	+	Due to the nature of the work environment that construction workers and builders have to work in, this is unsurprising. As a result, it is imperative that all builders have the most appropriate insurance, and the most up-to-date policies to incorporate every aspect of the job that they are carrying out.

−	If ~~you are hiring a company that has employees, then~~ the contractor must have Employer’s Liability Insurance, by law. This can protect the employees working for the company from any injuries or accidents that may occur (due to the high-risk environment). If the contractor that you ~~are hiring~~ does not have ~~Employer’s Liability Insurance~~, ~~yet they boast about~~ the ~~number of employees that they have~~, ~~then~~ you ~~can be safe in~~ the ~~assumption that the contractor is not legitimate, and ultimately unlawful~~.	+	If an accident occurs on your property and the builder that you have hired does not have the most appropriate insurance, then as the homeowner, you may find yourself held liable for any damages – even if the accident wasn’t your fault.

−	~~There are~~ a ~~broad number of different insurance options for builders to choose from, including all~~-risk ~~cover~~, ~~contract works cover, goods in transit cover, tools cover, plant cover and much more. Knowing that your builder~~ is ~~covered can~~ protect ~~you~~ in the ~~long-run~~, ~~as well as all of the people~~ that ~~may be affected~~ by ~~the work your~~ builder is ~~carrying out~~.	+	In a high-risk sector such as construction, it is incredibly important for builders to not only protect themselves in the event of an injury, but also for you to ensure that you are protected by only hiring a builder that is insured correctly.

−	[[Category:Research_/_Innovation]] [[Category:~~Construction_management~~]] [[Category:~~Construction_techniques~~]] [[Category:Contracts_/_payment]]	+	= Protecting the public =
		+
		+	If your builder does not have the most appropriate public liability insurance, and an accident occurs where a passing pedestrian is injured, then once again, you may find that as the homeowner, you are held accountable.
		+
		+	The Citizens Advice Bureau advises that all homeowners should ensure that any builder they are looking to hire has appropriate public liability insurance, and following this advice can save you from having to pay for exceptionally high court fees and damages.
		+
		+	= Protecting employees =
		+
		+	If you are hiring a company that has employees, then the contractor must have Employer’s Liability Insurance, by law. This can protect the employees working for the company from any injuries or accidents that may occur (due to the high risk environment).
		+
		+	If the contractor that you are hiring does not have Employer’s Liability Insurance, yet they boast about the number of employees that they have, then you can be safe in the assumption that the contractor is not legitimate, and ultimately unlawful.
		+
		+	There are a broad number of different insurance options for builders to choose from, including all-risk cover, contract works cover, goods in transit cover, tools cover, plant cover and much more. Knowing that your builder is covered can protect you in the long run, as well as all of the people that may be affected by the work your builder is carrying out.
		+
		+	= Find out more =
		+
		+	=== Related articles on Designing Buildings Wiki ===
		+
		+	* Contractors' all-risk insurance.
		+	* Employer's liability insurance.
		+	* Future of construction insurance.
		+	* Hiring an architect as a domestic client.
		+	* How to find a builder.
		+	* Insurance.
		+	* Legal indemnity insurance.
		+	* Professional Indemnity Insurance.
		+	* Public liability insurance.
		+
		+	[[Category:Research_/_Innovation]] [[Category:Health_and_safety_/_CDM]] [[Category:Property_law]] [[Category:Client_procedures]] [[Category:Contracts_/_payment]] [[Category:Procurement]]

Editor: moved Why You Should Make Sure Your Builder Has Appropriate Insurance to Making sure your builder has appropriate insurance

2017-12-13T14:50:30Z

moved Why You Should Make Sure Your Builder Has Appropriate Insurance to Making sure your builder has appropriate insurance

← Older revision

Revision as of 14:50, 13 December 2017