From specialist installation and engineering contractors to niche construction and maintenance businesses, Dixons helps arrange commercial insurance designed around the work you actually do.
Specialist contractors can face risks from their
employees, customers, property, equipment, vehicles,
contracts and the work they carry out.
Your insurance should reflect the business behind
the specialist work.
Specialist contractors don't all face the same risks.
The work you undertake, the environments you work in,
the equipment you use and the contracts you take on can
all affect your insurance requirements.
That's why understanding the business behind the work
is an important part of arranging commercial insurance.
Installation, maintenance, engineering, fabrication, specialist construction or other technical activities can all create different exposures for your business.
Working in homes, commercial premises, construction sites, factories or other specialist environments can introduce different risks and responsibilities.
Principal contractors and commercial customers may require specific insurance covers, limits or contractual conditions before work begins.
Bringing employees, labour-only subcontractors or other contractors into your business can change the risks you need to consider.
Specialist tools, plant, machinery and equipment can represent a significant investment for contractors and may need appropriate protection.
A mistake, accidental damage or defective work can have financial consequences for both your business and your customers.
Depending on your business and activities, there are
a range of commercial insurance covers that may be
relevant to specialist contractors.
The right combination will depend on what you do,
who you work for, where you operate and the risks
your business faces.
Protection against claims arising from injury to third parties or damage to their property in connection with your business.
If you employ staff, Employers' Liability insurance may be a legal requirement and can protect your business against employee injury or illness claims.
Specialist contractors can rely heavily on tools, equipment and machinery. Suitable cover can help protect these business assets against insured loss or damage.
Depending on the work you undertake, insurance may be available for contract works and materials while projects are being carried out.
Where your business provides professional advice, design, specification or technical services, Professional Indemnity may need to be considered.
Premises, stock, contents, machinery and other business property can represent significant investments that may require protection.
Contractors using specialist plant, machinery or equipment may need additional protection depending on how those assets are used.
Cover may be available to help protect your business against certain financial losses following insured damage or interruption.
Vans and other commercial vehicles used for transporting people, tools, equipment or materials may require appropriate motor cover.
From working at height and using specialist equipment
to working on complex commercial projects, contractors
can face risks that aren't always obvious when simply
looking at a list of insurance policies.
Understanding those exposures is an important part of
considering the right insurance arrangements.
Work carried out inside or around a customer's premises can create the potential for accidental damage to property.
Employees, customers, members of the public and other contractors may be present around your work, creating potential liability exposures.
An error, omission or failure in specialist work can potentially lead to financial loss, remedial costs or claims from customers.
Specialist equipment can be expensive to replace and may be exposed to theft, accidental damage or loss while working away from base.
Commercial contracts can impose insurance requirements and additional responsibilities on specialist contractors.
Damage to premises, equipment or other insured property can potentially interrupt your ability to continue trading.
Using employees or subcontractors can introduce additional responsibilities and risks that need to be considered as part of your insurance review.
Moving into larger contracts or more complex projects can change your exposure and may mean your existing insurance needs reviewing.
Specialist contractors operate across a huge range
of industries and disciplines.
Whether you're carrying out technical installation,
maintenance, engineering, fabrication or specialist
construction work, we can discuss your individual
business and insurance requirements.
Contractors installing specialist systems, equipment, fixtures or technical components within domestic or commercial premises.
Businesses undertaking specialist engineering, mechanical, electrical or technical contracting activities.
Contractors responsible for planned, reactive or specialist maintenance across commercial and industrial premises.
Specialist businesses manufacturing, fabricating or installing bespoke components, structures or equipment.
Contractors undertaking specialist packages of work as part of residential, commercial or larger construction projects.
Businesses providing specialist testing, inspection, certification or technical services.
Niche trades and specialist contractors whose activities don't fit neatly into a standard trade insurance category.
Commercial insurance considerations for self-employed specialists and smaller contracting businesses.
Arranging the right policy is only part of protecting a specialist contracting business. Understanding how you operate, the work you undertake and the customers you work for can be just as important.
Good risk management can help reduce the likelihood
of accidents, damage, theft and disruption to your
business.
We can discuss the risks associated with your
activities and help you understand areas that may
need particular attention.
Rather than simply asking what insurance you want,
we can start by understanding what your specialist
contracting business actually does.
That means considering your activities, turnover,
employees, contracts, customers, premises,
equipment and the risks associated with your work.
Specialist installation, engineering, testing, maintenance and technical services.
Businesses working for principal contractors, developers and commercial customers.
Contractors relying on specialist tools, machinery, plant or technical equipment.
Specialist contracting businesses can be difficult
to place into a standard insurance box. That's where
understanding the business behind the work becomes
important.
We can look at what you do, who you work for, where
you operate and the risks associated with your
particular activities.
At Dixons, we believe commercial insurance should
start with understanding the business behind the
policy.
Whether you're a sole trader carrying out specialist
installation work or an established contractor
managing larger commercial projects, we can
discuss your individual activities and requirements.
Tell us what specialist work you undertake, where you operate and what your business needs to protect. Our commercial insurance team can discuss your requirements and the options available.
Complete the form below and tell us a little about your specialist contracting business. A member of the Dixons team can then discuss your requirements.
