While working on site it is normal that there is a large number of people and high value of equipment and materials in a small vicinity. With this in mind, a small negligent act by an employee can easily lead to injury to a member of the public, mass third party injury and property damage.

Public liability insurance for construction will pick up the legal expenses and compensation payments following an event causing both third party injury and property damage. Have peace of mind with construction public liability cover.

No matter how careful and diligent you are with risk assessments and method statements, accidents involving employees at work regularly happen.

Therefore Employers liability insurance is designed to cover you in the eventuality that your employees are injured at work, so you can protect your business.

From the day the ground is broken, through the project being signed off as practically complete, there will be an accumulation of materials on site.

Between the aforementioned times, this cover will pay to replace/ reinstate materials. from loading, through to being structurally in place on site. While including completed structures for maintenance period/ for short periods of times pending sale on residential properties, and free issue materials whilst on site.

Comprehensive cover for plant, power tool and machinery belonging to you, including cover whilst in use, in transit, and in temporary storage.

Therefore cover is acceptable when the plant is either owned by you, in the process of being purchased, under a lease or deferred purchase agreement by you.

In short, Cover for plant hired from a third party. So this includes legal liabilities you assume under contract when hiring out plant, including physical damage to the equipment, and continual hire charges that you are financially responsible for following accidental damage to tools and equipment.

In short, Cover designed to give you, your staff and your dependents security should an accident occur and your income be effected.

Many businesses own multiple vehicles, making insuring these individually on an annual basis a logistical and financial problem. However, SJL Insurance Services offer Fleet Insurance which covers all of your business vehicles under one policy. Therefore there is only one renewal date.

So SJL Insurance Services cover all vehicles including cars, vans, taxi’s, HGVs and special type vehicles.

Also known as Structural Warranty and is primarily designed to cover costs of repairs or rebuilding in the event of structural damage which appears after practical completion.

As well as faults and defects caused by failures in design, workmanship or materials throughout the construction process may not become apparent for years after practical completion and hence most policies are for 10-12 years.

Professional Indemnity Insurance refers to protection against incorrect or inadequate advice and services that you give. Furthermore, any business can produce work resulting in both financial and reputational loss for their client and this is sometimes only uncovered long after the contract is completed.

As a business, you have a duty to ensure that your fixed plant is safe and in full working order. Arranging the mandatory inspections of this equipment can be costly and time consuming. So the best way is to purchase an engineering inspection policy.

Therefore this is not an insurance policy, rather a program arranged by the insurers to ensure all inspections are carried out correctly and in a timely manner. Insurance for the machinery for sudden and unforeseen damage can usually be added too, covering you over and above the limits and perils offered by plant insurance on a contractors combined policy.

An increasing number of both public & private contracts are requiring the financial security of a surety bond. The most common are performance, retention or road bonds but there are a multiture of different surety bonds on the market. Surety Bonds are not an insurance product, they are a written obligation provided by the guarantor to cover the beneficairy against the default of the bonded company. It secures the fulfilment of contractual, commercial or legal obligations

Construction Legal Expenses Insurance covers claims which arise from any contract disputes during construction projects. So this could be against a vendor, solicitor, architect, engineer, main contractor, surveyor, local authority, services utility, or supplier of materials. Therefore this cover takes away the worry of escalating legal fees. Consequently, it is a useful addition to any construction insurance program to protect you from any legal costs.

We can insure any type of business, and our expertise ranges from property and commercial risks, to kidnap and ransom. Literally any type of business, in any sector, anywhere in the world.

Our expert brokers have access to a huge array of insurance products ensuring they can find the best insurance policy for you. They get to know your individual needs and provide the best possible insurance solution for you. You will be provided with an allocated account and claims manager.

Our featured list of Policies can be found on our services page.