Contractor insurance you can trust
In view of the varied types of contractors this is a very general explanation and enquiry form. For more specific Building contractors please see the appropriate page. Below are what should be insured:-
Public Liability – incase a visitor injures himself/herself on the premises you require Public Liability cover.
Vehicle – a legal requirement if used on a public road.
Goods in Transit – if you collect and/or deliver.
Professional Indemnity – if you design anything or give advice of any kind.
Fidelity cover – you may also find that you put your staff in a situation where they could handle money or possessions belonging to someone else so you may also require Fidelity cover.
Cyber cover – you have computers in the cafe and therefore may wish to add Cyber cover.
Legal Expenses – in case you are involved in an incident that requires legal advice or court action.