Contractual liability insurance protects painting and decorating subcontractors when they accept liability through a contract that goes beyond normal common-law negligence. Many main contractor and developer contracts include indemnity clauses that significantly increase your exposure.
Without contractual liability cover, your standard public liability policy may not respond, leaving your business exposed to potentially catastrophic legal and financial risk.
Modern construction and refurbishment contracts frequently transfer risk down the supply chain. Painting subcontractors are often required to accept responsibility for losses they did not directly cause.
Subcontractors are increasingly exposed to claims due to contractual wording, not because of poor workmanship.
Our main contractor required contractual liability cover before we could start. Insure24 arranged it quickly and clearly explained the risks.
Director – Decorating Subcontractor, UKIs contractual liability covered by public liability insurance?
Is contractual liability insurance mandatory?
Does it cover defects or workmanship issues?
How much cover should subcontractors have?
How quickly can contractual liability cover be arranged?
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