Featured Posts

Augmented and Virtual Reality Goggles

Augmented and Virtual Reality Goggles

by Cliff

Early adopters from the construction industry have started to use augmented and virtual reality goggles and headsets to avoid accidents and reduce business risk. Both provide the user with a fully immersive virtual experience of walking around the completed building or alteration project. This enables the user to see what needs to be changed in a design or plan, or whether there is a more serious issue with layouts before work starts on-site. This could become a mainstream method of reducing risk because hazards and problems will be identified in advance, helping to avoid incidents and injuries.  

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Insuring Subcontractors

Insuring Subcontractors

by Cliff

Anyone instructing subcontractors has a number of duties under health and safety law, including making sure the subcontractors are able to work safely and without risk. In plain English, main contractors can be held responsible if subcontractors fall ill or get injured at work through neglect. Insurers generally put subcontractors into two categories, according to skills and expertise: Bona-fide subcontractors (BFSC) Labour-only subcontractors (LOSC). If a BFSC works without direction from the main contractor, employers’ liability insurance is often not required. If the subcontractor is regarded as a LOSC they should be treated as an employee and so employers’ liability insurance is generally required. For assistance or more information, please contact us.

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Warning for Contractors

Warning for Contractors

by Cliff

Contractors in construction and maintenance need to ensure they check Ts&Cs along with any exclusions before signing up to new insurance policies. Underinsurance could lead to higher costs in the long run.

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Latest Posts

Water Damage

Water Damage

by Cliff

According to Aviva, water damage is one of the most common causes of insurance claims. UK water damage claims amount to circa £2.5 million per day, although the cost of business disruption is far greater.

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Construction Fires and Insurance

Construction Fires and Insurance

by Cliff

When it comes to insurance in the building industry, knowledge of construction fire risks, and how to minimise them, is essential.

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Do Insurers Pay Out?

Do Insurers Pay Out?

by Cliff

In July Aviva released its first UK insurance claims report, showing that 96% of all claims were accepted in 2017. It is urging UK insurance companies to explain how insurance claims work and debunk the myth that insurers don’t pay out.

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