BUSINESS INSURANCE • BURNLEY & BEYOND
Your work can take you from a customer’s home to a busy building site. We help contractors and tradespeople discuss liability, tools, plant and work in progress, with attention to the jobs they actually undertake.
Tell us what your business does, what has changed and when you need cover.
Call 01282 348494 or use the quote link to contact our team.
Tell us your main trade, the other work you accept and how you organise each project. Height, depth, heat work, subcontracting and work on existing structures can all be important. Our Burnley-based team welcomes enquiries from contractors across Lancashire and further afield.
Discuss public and employers’ liability alongside the people you engage and the work you carry out. Contract requirements should be checked before a project begins.
Identify your own tools and equipment separately from hired-in plant. Ask about theft, overnight storage, security conditions and the amounts that can be insured.
Raise the value and duration of work in progress, including materials on site. Cover for the works should not be confused with insurance for the existing building.
Clarify who is responsible for insuring the existing structure, the new works and any materials. Tell us whether the customer remains in occupation, whether you are using heat and what the contract requires. Arrange the insurance discussion before site preparation or work starts.
That depends on the selected cover and its theft and security conditions. Tell us where the vehicle and tools are kept, and check any overnight exclusions or limits.
Not automatically. The existing structure and the new works are separate questions. Tell us who owns the building and how insurance responsibilities are allocated.
Yes. Explain your trade, the jobs you accept, the people who assist you and the equipment you use. We can explore available terms for your circumstances.
Explore the questions to raise alongside your contractors insurance review.
Explore the questions to raise alongside your contractors insurance review.
Own a let property or commercial building? Property Owners Insurance is a core strength at Umbrella. For the wider range, visit our business insurance guide.
HERE WHEN YOU NEED US
Share your business details, current cover and renewal date. We’ll help you prepare a useful enquiry.
Cover is subject to insurer acceptance, policy terms, conditions, limits and exclusions. We’ll explain the options available for your circumstances.