Insurance For Business | INDUSTRY SECTORS

Construction

Our business is built upon the construction trade. It is our area of particular expertise and we have taken pride in looking after firms who operate within this industry since we began trading over 45 years ago.

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Why Choose Us?

Highly Experienced

Over 45 years' experience of the construction industry. Managing needs of over 250 UK construction companies.

Understanding Your Risks

Helping construction clients to understand and quantify risks they face - it's not just about the cheapest price.

Extension Of Your Business

Managing risk, with effective, economic insurances, contract reviews. In-house claims team.

Over 45 Years’ Experience

There is so much involved in the construction world when it comes to insurances, that if you are serious about taking out the correct policy to protect your business and your client then you have landed on the right site.

Our wide client base spans most trades within construction, so we know the risks that you face. Whatever challenge or contractual obstacle you may be facing we have likely helped others with similar.

Over 45 Years’ Experience

There is so much involved in the construction world when it comes to insurances, that if you are serious about taking out the correct policy to protect your business and your client then you have landed on the right site.

Our wide client base spans most trades within construction, so we know the risks that you face. Whatever challenge or contractual obstacle you may be facing we have likely helped others with similar.

Insurance For Construction Explained

The Insurance Programme for a construction client can be complex. You need to be working with a broker that has expertise in this area and can work through the myriad of issues and contractual queries that may arise.

Key risks/ Relevant General cover to consider:

Liability Insurance

  • Public/ Products Liability Insurance  If someone is accidentally injured in your workplace, or if their property is accidentally damaged due to your business’ activities or because of the products you supplied, your business could be responsible by law. Public liability insurance can protect your business against claims to cover damages and legal costs that people may make against your business.
  • Employers’ Liability Insurance is a legal requirement under the Employers’ Liability Act 1969. It’s there to protect your employees if they get injured or become ill as a result of working for your business. It covers the damages, compensation costs and legal fees that a current or ex-employee is entitled to as a result of illness or injury which may have been caused while working for your business.

Contract Works Insurance

Provides cover for risks on work that is underway on a building or construction site.  For instance, if work that’s in progress is damaged as a result of a fire, flood, storm, vandalism or theft, then this cover can help to pay to repair or reinstate that work.

Contractor’s Plant and Equipment Insurance

Covers your own plant and equipment on an ‘All Risks’ basis. It can also cover your legal liability under terms of their hiring agreement to pay for loss or damage caused to hired-in plant and the cost of continuing hire charges.

Professional Indemnity Insurance

You work hard to make sure designs are double-checked and that work is always carried out to the highest possible standard, but things can still go wrong. Whether there’s a genuine deficiency, or a client believes there’s a problem when none exists, legal action is a very real possibility. Allegations such as these – whether justified or not – take time, money and legal expertise to sort out. Contractors’ professional indemnity insurance is deep pockets, an expert solicitor and professional expertise and support when you need it most – paying costs, compensation and keeping your reputation intact.

Directors and Officers Liability Insurance (D & O) Insurance

Covers the cost of compensation claims against the Directors and Key Managers (officers) of the business for alleged wrongful acts.  One of the Key covers for construction clients can be covering the cost of HSE Fees for Intervention. There are over 650,000 injuries at work each year in the UK with the majority of these occurring on Construction sites.  If the Health & Safety Executive (HSE) visit your site to investigate an accident or in an unannounced inspection and discover a violation of health & safety regulations an HSE Fees for Intervention (FFI) will be charged. When the material breach has been resolved the HSE inspector will provide a written report detailing the law that has been broken, the reasons for their opinion and the notification of the fee.

Personal Accident Insurance

Pays to do your work even if you can’t. If you’re unlucky enough to suffer a serious injury or illness, this covers your medical bills, your livelihood and helps you keep clients onside

Cyber and Data Insurance

In a physical world such as construction, data might seem secondary, but the internet is a big part of any modern business. Whether you’re making online payments, processing orders and invoices or communicating with clients electronically there’s a real risk of confidential data falling into the wrong hands. If it does, it’s expensive and embarrassing, so you need to be able to move on from it quickly.

Our Specialisms

Many brokers simply do not deal with enough contractors, or those or significant enough size to assist with more complex queries. More frustratingly many don’t have the will to educate themselves on those risks. We do. We pride ourselves on knowing which markets to approach for more bespoke covers and what it is you truly need. Be this;

  • Specific Project Contract Works
  • Non-Negligent Liability (6.5.1)
  • Environmental Liability
  • Construction Bonds
  • Collateral Warranties
  • Restrictive Covenants
  • Right of Light
  • Structural Warranties (Latent Defects)
  • Terrorism
  • Compliance with JCT clauses

To discuss any aspect of your insurance requirements with us, please contact us and one of our dedicated Account Executives will be in touch to assist you further.

 

“The construction world is serviced by a myriad of insurance companies, brokers and advisors. Few fully understand the complexities and risks facing specialist geotechnical contractors. R K Henshall are an exception.”

Paul Woodfield, Managing Director, Technik Ground Solutions.
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Our Location

The Grove, Mill Lane,
Wheelock, Sandbach,
Cheshire, CW11 4RD.
Telephone: +44 (0)1270 758070
Fax: +44 (0)1270 758059

R.K. Henshall © 2021

R K Henshall & Co Ltd are Independent Intermediaries and are authorised and regulated by the Financial Conduct Authority. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, T.R.Dredge DIP CII, A.Brown FCCA. Director/Company Secretary R.K. Henshall ACII. Registered No. 1285024

R K Henshall are very proud to support Lupus UK. Lupus UK is a charity very close to our hearts. Unfortunately, Nita Davies who had been a stalwart of our company from it’s very beginning lost her battle against this terrible illness in 2013. Lupus UK is the only National Charity which supports people with the immune system illness. (Registered charity nos. 1051610, SC039682) Click here to read more about Lupus UK.