Our Company is insured so you’re in safe hands. Here are our insurance cover details.
| The insured | Ermal ltd |
| Your primary profession/occupation | Builder |
| Your secondary profession/occupation | Cleaning services |
Insurance Cover
Public Liability
| Cover | Limit of indemnity | Excess |
| Public Liability | Covered | £250 |
Contract works
| Cover | Sum insured | Excess | |
| Contract works | Covered | £100,000 | Theft and malicious damage £500 All other damage £250 |
Personal Accident
| Cover | Sum Insured | Excess | |
| Death | Covered | £2,000 | Nil |
| Total irrecoverable loss of sight in one or both eyes | Covered | £2,000 | Nil |
| Loss of one or more limbs | Covered | £2,000 | Nil |
| Permanent total disability (other than loss of limbs) which after 104 weeks from the date of Injury prevents the insured person from following or engaging in or giving attention to any kind of profession or occupation | Covered | £2,000 | Nil |
Endorsements that apply to this policy
The endorsement title determines which cover the endorsement is applicable to.
Endorsement 501 – Hazardous work exclusion
Cover section(s) this endorsement applies to:
Personal Accident Capital Benefit
Contract Works
Public Liability
What is not covered
We will not pay for any injury loss or damage arising out of:
- demolition work (unless you are doing this as part of rebuilding or alteration
work) - piling or underpinning
- basement alterations or conversions
- work in or under water
- work using explosives
Endorsement 601 – Private dwelling minor works only exclusion
Cover section(s) this endorsement applies to:
Public Liability
What is not covered
We will not pay for legal liability unless arising out of the alteration repair or maintenance of a building ordinarily for occupation as a private dwelling.
Endorsement 602 – Height work in excess of 10 meters exclusion
Cover section(s) this endorsement applies to:
What is not covered
We will not pay for legal liability arising out of any external work undertaken at a height above the ground of 10 meters or in the case of work within a building or structure at a height above 10 meters from the surface level on which the plant equipment or implement providing the means of access to the work is placed.
Endorsement 603 – New build residential only exclusion
Cover section(s) this endorsement applies to:
Public Liability
What is not covered
We will not pay for legal liability unless arising out of the erection of new buildings ordinarily for occupation as a private dwelling.