Business insurance
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Employer liability, public liability, business interruption and specialist commercial covers explained.
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Contract Works Insurance Explained
- Covers accidental loss or damage to works in progress (e.g. fire, flood, theft)
- Often required by client contracts and main contractors
- Cover should match the full rebuild/reinstatement cost of the project
- Public liability is usually separate and still essential
- Key exclusions include defective workmanship, gradual wear, and poor security
Environmental Liability Insurance Explained
- Designed to cover pollution incidents, including clean-up and third-party claims
- Often includes access to specialist environmental response teams
- Can cover gradual pollution (depending on policy), which standard liability usually excludes
- Regulatory investigations and remediation can be major cost drivers
- Risk management and incident response planning materially affect outcomes
Management Liability Insurance Explained
- Management liability is usually a package: D&O + company cover + employment practices + sometimes crime/PI extensions
- It protects individuals (directors/officers) and often the company (“entity cover”)
- Defence costs can be a major driver—claims don’t need to be “true” to be expensive
- Key exclusions often include fraud/dishonesty and known circumstances
- The right limit depends on turnover, staff count, funding, contracts and sector risk
Trade Credit Insurance Explained
- Covers non-payment of invoices, typically due to insolvency or protracted default
- Often includes access to credit checks, monitoring and debt collection support
- You usually must follow policy credit limit and notification rules for claims to pay
- Not the same as “professional indemnity” or “bad debt reserve”
- Particularly valuable when you have customer concentration risk