tradesman insurance

Exclusions and limitations

For terms and conditions please refer to the policy document

The following exclusions and limitations apply to the Contractors’ insurance policy:

These are some of the Exclusions that apply to the policy. There are also further provisions and general conditions and exclusions. Details of these can be found in the policy document. Other additional terms and conditions may be applied in certain cases.

Section Exclusions

• Public Liability
  • Injury to any employee. See Policy document, Section Exclusion 1.
  • Loss or damage to property in your charge or control, goods supplied or installed or cost of rectifying faulty work. See Policy document, Section Exclusion 7 & 8.
  • Loss or damage due to pollution or contamination unless caused by a sudden and unintended incident. See Policy document, Section Exclusion 4.
  • Precautions need to be taken when using heat or carrying out excavation work. See Policy document, Section Conditions 1 & 2.
  • Injury caused directly or indirectly by asbestos. See Policy document, Section Exclusion 13.
  • Temporary employees unless shown on the Schedule. See Policy document, Section Exclusion 12.
• Employers’ Liability
  • Temporary employees unless shown on the Schedule. See Policy document, Section Exclusion 3.
  • The £10 million limit is reduced to £5 million in respect of acts of terrorism. See Policy document, Section Limit of Indemnity b.
• Tools
  • Theft or theft damage of tools by you or any other partner, director, family member or anyone employed by you. See Policy document, Section Exclusion 3a.
  • Minimum security requirements apply See Policy document, Section Exclusions 3b, c & d.
  • Loss due to unexplained disappearance or inventory shortage. See Policy document, Section Exclusion 7.
  • Any consequential loss. See Policy document, Section Exclusion 2.
• Contract Works
  • Property where you are relieved of responsibility under contract conditions. See Policy document, Section Exclusion 1e.
  • Computer equipment in excess of £2,500. See Policy document, Section Exclusion 1k.
  • Caused by pollution or contamination. See Policy document, Section Exclusion 4d.
  • Theft or theft damage of tools by you or any other partner, director, family member or anyone employed by you. See Policy document, Section Exclusion 3a.
  • Minimum security requirements apply. See Policy document, Section Exclusion 3b, c & d.
• Personal Accident
  • The cover terminates at age 65. See Section Definition of Member.

Policy Exclusions

• Work involving specified hazardous locations or activities is excluded - see Policy Exclusion 6.

Excesses:

Excesses apply to certain types of claim.