Our insurances

Comprehensive Protection for Every Project: Ensuring Total Security with Local Contractors

At Local Contractors, we recognise that peace of mind is paramount when embarking on any renovation or refurbishment project. Renovations can involve significant investments, both financially and emotionally, and we are committed to safeguarding your interests throughout the entire process. Our comprehensive insurance coverage is designed to protect every aspect of your project, ensuring that you and your property remain fully protected from start to finish.

A Holistic Approach to Insurance Coverage

Our insurance policies are crafted to cover all facets of renovation work, from minor cosmetic updates to extensive structural refurbishments. We’ve ensured that no matter the size or complexity of your project, you are fully shielded against potential risks. Here’s an overview of the comprehensive protection we provide:

1. Property Insurance: Securing Your Investment

Renovation work often involves significant alterations to your property, and with this comes the risk of accidental damage. Our property insurance coverage ensures that any damage occurring to your property during the renovation process is fully covered. Whether it’s an accidental breakage of fixtures, structural damage, or unforeseen issues during construction, you can rest assured that your property is protected.

This coverage also includes protection against fire, theft, and vandalism during the renovation, providing comprehensive security for your investment. In the rare event that your property suffers damage due to the renovation work, our insurance will cover the costs of repairs or replacements, ensuring that your project stays on track.

2. Neighbouring Property Insurance: Extending Protection Beyond Your Borders

Renovation work doesn’t just impact your property; it can also affect neighbouring buildings, especially in densely populated areas. We understand the importance of maintaining good relationships with your neighbours, which is why our insurance extends to cover any accidental damage that may occur to adjacent properties during the renovation process.

Whether it’s damage caused by construction work, dust, debris, or even structural impacts, our neighbouring property insurance ensures that any issues are promptly addressed. This coverage helps prevent potential disputes and provides peace of mind that your renovation won’t negatively affect those around you.

3. All Work Performed: Coverage for Every Task

Every task carried out by our contractors is covered under our insurance policies. This includes everything from demolition and construction to painting, decorating, and installation. Our comprehensive coverage ensures that any issues arising from the work performed are fully covered, so you don’t have to worry about additional costs or complications.

This coverage is particularly important for complex renovations that involve multiple contractors and trades. It ensures that all aspects of the project, no matter how intricate, are protected against potential risks. Should any problems arise during the renovation, you can be confident that they will be resolved swiftly and without financial burden on your part.

4. Public Liability Insurance: Protecting Against Third-Party Claims

Renovation sites can be hazardous, and the risk of accidents involving third parties is a reality that must be managed. Public liability insurance is a critical component of our coverage, protecting you against claims made by third parties who may suffer injury or damage as a result of the renovation work.

For instance, if a visitor to your property or a passerby is injured due to the construction activities, our public liability insurance will cover the legal fees and compensation costs associated with the claim. This coverage not only protects your financial interests but also ensures that any third-party issues are handled with professionalism and care.

5. Employers’ Liability Insurance: Safeguarding the Workforce

In the UK, it’s a legal requirement for companies employing staff to have Employers’ Liability Insurance. This insurance covers the costs of compensation claims made by employees who may be injured or fall ill as a result of their work on your renovation project.

All contractors within our network are required to carry Employers’ Liability Insurance, ensuring that any incidents affecting workers on your site are fully covered. This not only protects the workers but also shields you from potential legal and financial repercussions.

6. Contractors’ All-Risks Insurance: Comprehensive Coverage for the Unexpected

Contractors’ All-Risks (CAR) insurance is a specialized policy that provides coverage for a broad range of risks associated with construction projects. This includes damage to the structure being worked on, as well as the materials and equipment used on-site.

CAR insurance is particularly valuable because it covers losses arising from various causes, including fire, flood, theft, and accidental damage during the construction process. It also covers the costs of repairing or redoing work that is damaged or destroyed during the course of the project. By ensuring that all contractors in our network carry CAR insurance, we add an extra layer of protection to your renovation.

Client Protection: Our Zero-Risk Commitment

At Local Contractors, our top priority is to ensure that your renovation project is completed without any risk to you or your property. Our comprehensive insurance coverage gives you the confidence to move forward with your project, knowing that you are fully protected against unforeseen circumstances.

Our zero-risk approach means that no matter what happens during the renovation, you are shielded from potential financial losses. We’ve structured our insurance policies to cover every conceivable risk, so you can focus on the exciting aspects of your renovation without the worry of what might go wrong.

Trusted Partners: Rigorous Contractor Vetting for Your Safety

We don’t take the selection of contractors lightly. Our rigorous vetting process ensures that only the most reliable and qualified professionals are chosen to work on your project. Here’s how we ensure that your renovation is in safe hands:

• Background Checks: We conduct thorough background checks on all contractors, reviewing their past work, credentials, and reputation in the industry. This ensures that you’re working with professionals who have a proven track record of delivering high-quality results.

• Insurance Verification: We verify that all contractors carry the appropriate insurance coverage, including public liability, employers’ liability, and contractors’ all-risks insurance. This added layer of protection ensures that every aspect of your project is covered.

• Quality Assurance: Our vetting process includes a review of previous client testimonials, adherence to industry standards, and an assessment of the contractor’s commitment to quality. Only those who meet our stringent criteria are selected to join our network.

Peace of Mind: Focus on the Transformation, Not the Risks

With Local Contractors, you can embark on your renovation journey with complete peace of mind. Our comprehensive insurance coverage is designed to protect you, your property, and everyone involved in the project. By partnering with us, you gain access to a network of fully insured, vetted professionals who are committed to delivering outstanding results.

Let us handle the risks while you focus on the excitement of transforming your space. With Local Contractors, you’re in safe hands from start to finish.