Public Liability,
Product Liability, Employers Liability.

Construction Industry Insurance. Employers Liability, Public Liability, Product Liability.

Liability insurance, heights depths, low risk, high risk, irrespective of trade! We place it!

Small business, large business, the amount of cover you have is determined by various factors, your comfort limit or what is required as a minimum by your employer. Sub-Contractor, Main Contractor, the main three liability covers will be an absolute minimum.

If you're in business in the construction sector we feel that its probably pointless to explain here what the covers are: That said, just a quick lesson on what an employee is, that may seem obvious to you but we find that it confuses even the most seasoned of contractors.

PAYE manual workers are quite obvious!

Labour-only sub-contractors seems to confuse! When it comes to insurance the safest view is that you would treat these as a direct employee, the fact is your responsibility for them is the same as if they were a direct employee. Just because they are "self employed" does not mean that you are not responsible for their actions... you are!

And finally just to confuse matters further Bona-Fide Sub-Contractors, as time goes by many more workers in the construction sector will become either PAYE or BFSC primarily down to taxation, that of course being well out of the scope of this brief explantion, and we don't want to go there anyway thank you very much. Although not strict, a BFSC will invoice you direct, they will supply labour and materials (unless you/ your employer supplyfree issue materials) and carry their own liability insurance, and they are an entity in their own right.

Public Liability LImits of Indemnity: What limit do you want? £1m, £2m, £5m, £10m, £25m or more. With direct access to some the main construction markets and Lloyds as well as our technical broking unit in London we offer a very fast turnaround.



Complex Risks, High Risks, Specialist Contracting - we can can place them all.

What our Construction clients have to say!

Within 72 hours Real had reduced our premium by 50%, on overall saving to the company of £25,000
Medium Sized Construction Company - Mansfield

Real Insurance have provided us with a professional and personal service at competitive rates and have taken time to understand our business to ensure our cover is specific to our Clients requirements. Based on the service we have received, we would not hesitate in recommending Real Insurance.
Large National Construction & Building Management - Derbyshire

We at (name available on request), have been clients of Real Insurance since our inception approx 4 years ago. We have always found them very efficient and professional in their handling of our account. Our account executive understands our requirements, and identifies various area’s of risk that we would simply not have thought of without help, and provides solutions for these risks at minimal cost.
Building & Civil Engineering - Nottinghamshire