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As a cavity wall insulation installer, you’re exposed to a wide range of risks on the job. This also means you could face potential legal actions and compensation claims from clients or even third parties. These types of claims can be expensive, as well as the legal fees. If your business isn’t able to pay for such costs out of pocket, then you need to consider cavity wall insulation installer insurance to protect your business. 

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Why Do I Need Cavity Wall Insulation Installer Insurance? 

While we understand you take pride in your work and business, accidents can happen. What happens if your foam gun falls and hits a third party or a client? What if you accidentally cause damage to a third party’s property? It can happen. 

With cavity wall insulation installer insurance, you’ll have peace of mind that you, clients, and third parties are protected in the event of an accident. 

Remember, accidents will happen. It’s not a matter of if, but when will they happen. So, be prepared with a bespoke cavity wall insulation installer insurance policy. 

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Parcel Delivery Driver Van Insurance FAQs

What Type of Liability Insurance Does a Cavity Wall Insulation Installer Need?

There are several different types of coverage you may want to consider, including the following. 

1). Public Liability Insurance

Public liability insurance is a type of coverage that protects you against claims made against you by third parties. If they are injured or suffer property damage, you’re protected. This type of coverage can also protect you in case of claims that come from the sale or supply of a product. 

2). Employer’s Liability Insurance

Employer’s liability insurance protects you against claims made by employees who are injured, become ill, or die while on the job. 

If you have one or more employees, then you’re legally required to have employer’s liability insurance. 

3). Professional Indemnity Insurance

Professional indemnity insurance protects you and your business against claims that may arise from advice given or professional services that result in a client suffering a financial loss. This usually happens in breach of professional duty. 

4). Tools & Equipment Insurance

Your tools are the heart of your business. What would happen if they were stolen? Replacing all your tools would be an expensive process, to say the least. 

Tools & equipment insurance policies protect your tools against: 

  • Loss
  • Damage
  • Theft

Most policies, however, may not cover tools stored in a van overnight. So, you may need additional coverage in that case.

Do I Need Employer’s Liability Insurance for One Employee?
Yes, this is the law. You are required to have employer’s liability insurance for one or more employees, with a minimum of £5 million.
What if I Have No Employees? Do I Still Need Employer’s Liability Insurance?
If you have no employees, then you may not be required to have employer’s liability insurance however if your subcontract, hire voluntary or casual labour you should consider employers liability insurance.
I’m Self-Employed, Do I Need Employer’s Liability Insurance?
If you’re self-employed and work on your own, then you do not require this type of insurance policy. The only time you may need this is if a client requires you have employer’s liability insurance to work on a project.
Do I Need Employer’s Liability Insurance for a Limited Company?
Yes, if you run a limited company and employ one or more, or if you have more than one director, then you’ll need employer’s liability insurance. If you only employ close family members, and your company is incorporated, then you’ll also need employer’s liability insurance in this scenario.
Do I Need Insurance for Temporary Workers?
In most cases, if you have short-term staff, contractors, or casual workers, then you will more than likely be required to have employer’s liability insurance.
Do I Need Employer’s Insurance for Subcontractors?
The answer depends. If you’re hiring “labour-only” subcontractors who work under your management and use your materials/tools, then they are legally seen as employees. They will need to be covered by employer’s liability insurance. However, those subcontractors who are “bona fide” work under their own direction and use their own materials/goods will not need to be covered by employee’s liability insurance.
Comparing with My Business Comparison

When it comes to finding the right policy for your business, searching online and making phone calls to individual providers can take quite a bit of your time. That’s why we built this insurance comparison website. 

It’s fast and easy to receive quotes from several providers in only a few moments! Just fill out the form, hit send, and wait for insurance policy quotes! It’s that easy! Then you can take time to carefully review each policy and focus on those that are the best fit and price. 

If you have questions about the policies offered on our site or need help in choosing the right insurance policy for your company, reach out today! We’re looking forward to working with you!

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If you have questions or would like to update, or renew your policy, all you have to do is contact us. We will also help if you need to make a claim.

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