Your work determines the cover
Work-related damage, utilities and work at customer sites need to be assessed against actual work practices and the policy wording.
Illustrative example — not a cover confirmation
An existing water pipe is damaged during installation work. Whether cover applies depends on liability, declared activities, exclusions and deductible.
Points to check
Work on customer property. Utility and consequential damage. Work at third-party sites. Subcontractors and contractual liability.
Information for a focused quotation
Trades, installation work, subcontractors, turnover and payroll. We discuss existing policies and customer requirements through an agreed channel afterwards.
Beyond liability
With employees, KTG and UVG become relevant. Your own equipment, stock and premises require a separate property or technical insurance assessment.
