insurance & protection

Insurance & Protection: Comprehensive Coverage for Your Peace of Mind

Overview

Renovation projects involve numerous risks, from accidental damage to legal liabilities. At Local Contractors, we provide comprehensive insurance coverage to protect you, your property, and everyone involved in your project. This coverage is designed to give you the confidence to proceed with your renovation, knowing that you are fully protected from unforeseen circumstances.

**1. Types of Insurance Coverage

Property Insurance

• Coverage Details: Property insurance protects your home or commercial property against accidental damage that may occur during the renovation process. This includes coverage for structural damage, fire, theft, vandalism, and more.
• Scope of Protection: Whether it’s a minor mishap like a broken window or a major incident like a fire, our property insurance ensures that you won’t have to bear the financial burden of repairs.

Neighbouring Property Insurance

• Coverage Details: Renovation work can sometimes affect neighbouring properties, particularly in densely populated areas. Our neighbouring property insurance covers accidental damage caused to adjacent properties during the course of your renovation.
• Scope of Protection: This insurance is crucial for preventing disputes with neighbours and covers damages such as structural impact, debris damage, or water ingress.

Public Liability Insurance

• Coverage Details: Public liability insurance protects you against claims from third parties who may be injured or whose property may be damaged due to your renovation project. This includes visitors, passersby, or even delivery personnel who might be affected by the renovation activities.
• Scope of Protection: This coverage ensures that any legal fees or compensation claims arising from such incidents are covered, protecting you from significant financial loss.

Employers’ Liability Insurance

• Coverage Details: If contractors or subcontractors working on your project employ workers, they are required by law to have Employers’ Liability Insurance. This insurance covers compensation claims from employees who may be injured or fall ill due to their work on your project.
• Scope of Protection: This coverage not only protects the workers but also shields you from potential legal liabilities arising from workplace accidents.

Contractors’ All-Risks Insurance

• Coverage Details: Contractors’ All-Risks (CAR) insurance provides comprehensive protection for the ongoing work, including the structure under renovation, materials, and equipment on-site. It covers losses due to fire, theft, accidental damage, and other unforeseen events.
• Scope of Protection: This insurance ensures that your project can continue smoothly even if unexpected incidents occur, without incurring additional costs for repairs or replacements.

**2. How to File a Claim

• Step-by-Step Guide: In the event of an incident, our support team will guide you through the claims process. We’ll help you document the damage, complete the necessary forms, and liaise with the insurance providers on your behalf.
• Documentation Required: We’ll advise you on the necessary documentation, such as photographs, receipts, and detailed descriptions of the incident, to ensure a smooth and efficient claims process.
• Claim Resolution: Our goal is to resolve your claim as quickly as possible, minimizing any disruption to your project. We work closely with our insurance partners to expedite the process and get you back on track.