Learn more Got it! 08081 68 68 68 Mon-Thurs 8:30am-8pm, Fri 8:30am-5pm, Sat 9am-1pm My Account Tradesman insurance Business insurance Commercial vehicle insurance Support About Blog Do you need to make a claim? Click here to find out how FIND OUT HOW MUCH YOU COULD SAVE ON YOUR INSURANCE PUBLIC LIABILITY INSURANCE This cover protects from third party claims like injury or damages. With cover from just £44* GET A QUOTE PROFESSIONAL INDEMNITY INSURANCE This cover protects against claims such as negligence and defamation. GET A QUOTE BUSINESS INSURANCE Your business is unique, just like your insurance needs. Get it sorted in one policy. GET A QUOTE VAN INSURANCE From your one man van, all the way to a massive fleet. Find the level of cover you need here. GET A QUOTE OUR INSURERS 4.5/ 5 www.constructaquote.com in this category have an average rating of 4.5 out of 5, based on 1387 customer reviews Read our reviews WHAT OUR CUSTOMERS HAVE TO SAY ABOUT CONSTRUCTAQUOTE.COM... Very good customer service from Nadine, who was very quickly able to provide me with exactly the policy I needed. Nadine demonstrated a professional and courteous manner and on calling her back, we resumed in a friendly dialogue and completed the transition from my previous policy to the current one, allowing me to get back to work asap! Heritage Fishing CYBER INSURANCE Protect your business against cyber attacks VIDEOS BLOG DOWNLOADS FAQ's Business insurance 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. We 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 choose us? You want the business insurance that is the most cost-effective and appropriate for your business – and it is our aim to deliver just that, through: Our 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 since 1990 and by servicing the 33,000 or so policies we support each year An unparalleled level and quality of service – that sees 95% of our customers giving us good or excellent reviews Polices that can be tailored to meet your own unique business needs Various levels of cover available across all our products Contact centre based entirely in the UK. What protection does our 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. Next steps At constructaquote.com our business is protecting your business with the most suitable and attractively-priced cover available. Why not get in touch today to see how we can help? *Public liability price is based on a hairdresser quoted on a small business and liability consultants product with a 1 million limit of indemnity, a sole trader with no other employees, no previous claims. Quoted between 1st July 2019 to 31st December 2019,, including insurance premium tax but excluding any additional products, fees or upgrades, with payment taken on an annual basis. For comparison only, your premium will depend on your circumstances and the level of cover you choose. *Professional indemnity price is based on an Electrical Contractor rated in category B. For a limit of indemnity of £50,000 on an Aggregate Claims made basis, Premium includes IPT at the current rate and are for firms with fees up to and including £50,000 and trade risks/contractors with turnover up to and including £500,000. Insurance Our Insurers Policy Documents Corporate Press Office Customers My account Renewal Reminder Make a claim Complaints Legal Terms & conditions Privacy notice Terms of business Modern Slavery Social Twitter Facebook LinkedIn YouTube Head Office 2-3 Sir Alfred Owen Way Barclay House Caerphilly CF83 3HU 08081 68 68 68 customerservices@constructaquote.com Mon-Thurs 8:30am-8pm, Fri 8:30am-5pm, Sat 9am-1pm constructaquote.com, Black and White and XO are trading names of Moorhouse Group Limited, Registered in England and Wales, Company number: 3825233, Data Protection Number: Z481498X, Registered address: Barclay House, 2-3 Sir Alfred Owen Way, Caerphilly, CF83 3HU. Authorised and regulated by the Financial Conduct Authority under Firm Reference Number 308035. This can be checked on the Financial Services Register at www.fca.org.uk/register. Copyright © 2021 Moorhouse Group Ltd. All Rights Reserved.