Contractors do not benefit from the sick pay and death-in-service payouts that many permanent employment roles enjoy and so must make their arrangements for permanent health insurance, critical illness cover and life cover. Information about contractor insurance is crucial to the livelihood of their business. If a contractor is unable to work for any reason, then they won't get paid because the client is buying a business-to-business service from the contractor's limited company or umbrella company, and not employing them.
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We are here to represent the construction industry and offer up information on the various insurance and bonds that you need in order to do business. Construction bonds and the various types are confusing and we can help you clear up some of that confusion. We offer information on the various types of bonds and when and where they are necessary.
When you decide to work with a non-insured contractor you need to understand just how risky that can be. By law all construction contractors must have at least two types of insurance, the first being worker's compensation and the second being liability insurance. Both of these insurances serve to protect you, the homeowner in multiple ways.
Are you a contractor in the construction industry? Are you familiar with contractor bonds and why you need them for your business? If you are unsure what contractor bonds are or how they pertain to your business don't worry we can help you. A contractor bond is simply an assurance to the person contracting your services that you will perform them as agreed.
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