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High-risk liability insurance for demolition contractors is often expensive and difficult to find.

To meet the special insurance needs of demolition contractors and other building and construction workers engaged in the demolition industry, we have used our experience and standing with insurers to arrange broad, tailored and flexible liability and demolition insurance cover at highly competitive premiums.

Demolition insurance covers mainly liability exposures. However, demolition work is inherently seething with liability transfer to the contractor. Therefore, it is important to have the right liability coverage in place. Some of the endorsements available in liability insurance for contractors should always be included when it comes to demolition projects.

Demolition is a high risk industry and many insurers active in this arena apply stringent conditions and restrictions that you must observe. Our specialist team have the knowledge to help you comply with these requirements. We also work closely with you to assess your risk exposure and support you with strategies to address specific issues. This approach enables you to gain the optimum protection for your business, in terms of price and quality.

Once we have completed a risk management assessment, we work together with our clients to implement sound strategies to address their specific risk profile in order to provide the optimal demolition insurance coverage for their needs. Demolition work is risky enough; let our experts at Adler Insurance Brokers work with you to eliminate any concerns of adequate protection regarding your demolition insurance requirements.

Adler Insurance Brokers are also proud to be Resource Members of the National Federation of Demolition Contractors, the UK’s leading professional membership body for the demolition industry.

Typical features:

  • Employer liability £20m (any limit available)
  • Public, products & pollution liability (any limit available)
  • Contract works – to protect the materials you are using both on site and in transit
  • Financial loss
  • Personal accident
  • Rehabilitation
  • Contaminated land expenses
  • Crisis containment
  • Online health & safety training
  • Wide cover on height, depth and heat
  • Hazardous locations extension available
  • Options to extend to cover your tools and plant
  • Option to extend to cover temporary employees

Quotations available for:

  • Asbestos removal
  • Use of explosives
  • One-drop method
  • Recycling & waste disposal

Typical exclusions:

  • the ownership, operation or use of any swing ball and chain or similar apparatus
  • the use of explosives of any nature
  • the demolition of any structure in one sudden or uninterrupted process without the use of explosives

Exclusions will change depending on the exact nature of your profession within the demolition industry. This list of exclusions is a summary and is not a full list of all exclusions that may apply.

Why do I need specific insurance for my industry?

Some general policies could contain inadequacies that would leave your business uninsured in the event of a major loss. A demolition industry-specific policy would prevent this.

Are labour-only subcontractors covered in the same way that direct P.A.Y.E staff are under the employer liability policy?

Yes. Both types of employers are covered for the same risks, although it is very important you declare how your workforce are employed, as it will affect how your risks are calculated.

Is the financial rating of an insurer an important factor?

Yes. Financial rating measures an insurer’s financial situation and allows you to predict their ability to meet on-going policy obligations. Here at Adler, we only use A-rated UK insurers. There are also a number of contractors that will only sub-contract to companies with financially A-rated insurers. By not having a financially secure insurance policy in place, you could potentially be restricting your business and the contracts you can take on.

With Adler Insurance, you can be confident that, in the event of the worst happening, your claim will be handled by our in-house claims team. This means a fast and efficient service that many insurance brokers have to outsource to achieve.

Simply contact the claims team using the details within your policy documents, or call us on 0121 764 7563 to speak directly to a claims handler. They will talk through your claim, guiding you through your next steps and  the whole process.

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