Insurance

Our Company is insured so you’re in safe hands. Here are our insurance cover details.

The insuredErmal ltd
Your primary profession/occupationBuilder
Your secondary profession/occupationCleaning services

Insurance Cover

Public Liability

CoverLimit of indemnityExcess
Public LiabilityCovered£250

Contract works

CoverSum insuredExcess
Contract worksCovered£100,000Theft and
malicious damage £500
All other damage £250

Personal Accident

CoverSum InsuredExcess
DeathCovered£2,000Nil
Total irrecoverable loss of sight in
one or both eyes
Covered£2,000Nil
Loss of one or more limbsCovered£2,000Nil
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£2,000Nil

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:

  1. demolition work (unless you are doing this as part of rebuilding or alteration
    work)
  2. piling or underpinning
  3. basement alterations or conversions
  4. work in or under water
  5. 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.