Builders & timber merchants covers
Public liability insurance
As careful as you may be, there are many risks associated with members of the public visiting a builders or timber merchants site that could lead to them being injured or their property being damaged. Public liability insurance can protect you against these unforeseen circumstances. For example, if a customer tripped over stock and injured themselves while visiting your builders merchants, this cover can give you peace of mind to focus on the job in hand should they look to seek compensation for their injury.
Employers’ liability insurance
If you do employ a team, or use subcontractors, then you will more than likely need to take out employers' liability insurance to satisfy your legal obligation to have employers liability insurance and protect your finances if an employee has an accident at work and tries to claim damages from you. Businesses have a legal duty to protect the safety of employees whilst at work.
Products liability insurance
Products liability insurance is strongly advised for producers, distributors, retailers or repairers of products. With any product, there is a chance of an error or omission happening at any stage from design to distribution of the product. It’s important to ensure your builders merchants is covered should any product you sell cause injury or damage to a person or their property.
Buildings, contents & stock insurance
Your premises, contents, stock and equipment are all elements of your business that require comprehensive protection against unforeseen events, such as fire, flood, theft and severe weather damage. Your cover can also include protection for a proportion of your stock being kept in the open.
Business interruption insurance
Whatever your builders merchants insurance needs, the ability to continue to trade following an unforeseen incident and get back on your feet as quickly as possible is crucial. Business interruption cover can cover this eventuality, so if your property is damaged following an insured event, your income and/or increased expenses can be protected to help get you back up and running.
Equipment, plant and machinery insurance
When machinery, plant and equipment is the backbone of your business it’s important to make sure your essential equipment is protected against the unexpected. This cover should protect all of your machinery and equipment at your builder merchants such as cherry pickers, cranes, forklifts, cutting equipment, generators and loading shovels.
Specified all risks insurance
For a complex business such as a builders merchants or a timber merchants you may wish to add specified items to your builders merchants insurance policy. Specified all risks can protect specific company items like laptops, mobile phones and portable office equipment against most risks such as accidental damage or theft including whilst they are away from the property.
Goods in transit insurance
If your builders merchants offer a delivery service, goods in transit insurance can provide the peace of mind that should your goods or stock be lost, stolen or damaged whilst in transit, you could have help recovering the cost of replacing them.
Commercial vehicle or fleet insurance
A commercial vehicle could be a crucial part of your business; whether it’s for customer deliveries, collecting stock or even just getting to and from the merchants daily. We understand the need for quality cover that gives you peace of mind so why not take a look at our business van insurance page to find out more about commercial vehicle insurance. If you have a fleet of company vehicles we could arrange to insure them under a motor fleet insurance policy.
Comprehensive builders & timber merchants insurance
All of these covers can typically be combined to offer a comprehensive builders merchants insurance package that is tailored to your unique requirements. Our specialist insurance advisors can help you find the cover that’s right for you by offering professional insurance recommendations over the phone based on your requirements.
So whether you are a builders merchants, plumbers merchants, timber merchants or wholesaler, call Premierline today to start a quote.