You have the right insurance, but do your sub-contractors?.

August 2022

If you employ bona-fide sub-contractors to carry out work on your behalf, you will typically have a condition within your insurance policy that requires you to check they have adequate Liability insurance.

We have come across a number of instances where. although the main contractor has checked their subbies have insurance, at the time of a claim it turned out the cover wasn’t right.

This has meant that the main contractors insurer hasn’t been able to claim against the at-fault sub-contractor, leading to a bigger claim and higher ongoing premiums.

To try and prevent this happening to our customers, we offer to check the sub-contractors insurance details that you collect. We take the information and trawl through the policies looking for problems, so we can alert you to any potential issues.

This helps to make sure that you are complying with the terms of your own policy and hopefully avoid the difficulties and extra costs incurred when your sub-contractor doesn’t have adequate cover.

If you’d like to know more about this service, and other ways to keep your premiums under control, reach out to Blue Rock for an initial chat.

Get in touch.