Specialist cover
for the trades
others won’t touch.

Yes, in most cases. Insurers are cautious with smaller demolition firms, but the market will engage if your training records (NFDC, CITB), method statements, and claims history are in order. The conversation usually starts with us walking an underwriter through your recent jobs, not a portal form. We hold a book of demolition contractors across a range of turnover sizes.

It depends on the claim type, the cause, and what has changed since. A single fire-from-hot-works claim is often recoverable with a tightened permit-to-work regime. A pattern of fall-from-height EL claims needs more substantive answers. Bring us the renewal early, six weeks minimum and ideally eight, and we will work through the market with you.

Our new business team will work as hard as it takes. If your renewal is tomorrow, we will do everything we can to get terms on the table. How quickly we can move depends on what you give us. A complete submission with training records, method statements, and claims history lets us go straight to underwriters. The more you give us upfront, the faster we move.

We do not handle the HSE licence itself; that sits between you and the HSE. We do place the cover the licence application needs evidence of, and we are happy to sense-check your H&S consultant's work before submission. Where asbestos is part of a wider demolition package, we handle both as one programme.

It covers liability from the release of asbestos fibres during the works, so third-party bodily injury and property contamination. It does not cover the cost of removing your own contamination from site, nor known ACMs left in place where the contract excludes them. Wording differs between insurers and we will walk through the specific clauses with you.

Most policies carry a hot works permit warranty and a 24-hour fire-watch condition, regardless of day. Some tighten further outside normal working hours. Declare the working pattern at submission; if it comes to light later it can become a coverage issue.

Yes. Where your work creates environmental exposure, such as demolition near watercourses, asbestos-bearing structures, or work close to fuel storage, we can arrange a separate Environmental Impairment Liability policy. Whether you need one, and at what limit, depends on your specific situation. We will talk through your exposure and advise accordingly.

It varies depending on your turnover, claims history, and the nature of the work you do. We can adjust the excess up or down to move the premium and there is usually a clear point where it makes sense to do so. We will show you the options at quote stage.

Not automatically. Airside work is a specific risk. The proximity to aircraft, live taxiways, and the airport operator's permit-to-work regime all change the picture, and most standard construction policies are silent on it at best. We place airside extensions for construction contractors regularly. What we need from you is the nature of the works, how operatives will be managed in the restricted zone, and a copy of the operator's contract requirements. Bring us that before you mobilise.

Yes. Both are common in airside contracts. The right limit depends on the airport and the scope of works and we will advise what the market expects. The additional insured wording needs checking too; some operators have standard clauses that go further than a basic endorsement will cover. We look at the operator's contract before we place the cover, not after.

Yes. Some policies exclude it outright; others attach conditions that are easy to miss. Insurers want to know about operative competency, the relevant confined space tickets, what atmosphere monitoring is in place, and whether entries are supervised or lone working. Declare it at submission. Left undeclared, it becomes a coverage argument exactly when you do not want one.

There can be. Contaminated land work sometimes needs an Environmental Impairment Liability extension, particularly where disturbing or spreading existing contamination is a real possibility. Working near live buried gas, electricity, or water mains increases the liability exposure and some insurers impose conditions around ground investigation and permit-to-dig. Both need to be on the submission rather than discovered at claim.