Insurance tailored to your specific needs

We offer an extensive range of flexible covers that give you a wide range of options and can tailor your insurance to meet your specific needs. Cover is available for your own commercial premises and for contract sites, including your own and hired plant and equipment.

Your cover can include public and employers liability, including provisional cover required by clause 21.2.1 of the JCT contract conditions.

Contract Works: as a contractor working on site you may find the contract conditions make you responsible for the works, materials and plant, including hired-in plant on site. Contract works insurance provides cover while you are carrying out building work up to the point when the certificate of completion has been issued or the prospective owner or tenant has taken possession. It is flexible enough to cater for a wide range of construction-related activities, such as building new private dwellings, refurbishing offices or erecting new commercial and industrial units.

Cover is arranged on an all-risks basis and provides protection for your business on and off site:

1. Offsite storage of materials that are separately stored and identified for inclusion in a contract you are working on
2. Transit to and from your contract site on property anywhere in the UK, including the loading and unloading of vehicles
3. Cover for private dwellings built on a speculative basis for sale or let is provided for up to 180 days pending sale
4. Show houses up to the contract price stated in your policy as well as contents
5. Redrawing and rewriting plans and documents following a loss.

The covers available under a construction policy are as follows: business all risks; goods in transit; computer insurance; plant & tools; employee tools; contract works; public and employer's liability; money; employee dishonesty; business interruption; JCT 21.2.1; commercial legal protection; professional indemnity; director's and officer's liability.

If you have any queries or questions about Pharos, we are always happy to help. For a competitive quote, call 01304 209000.

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