A builder commissioned Cobine Carmelson to help him with his insurance needs. His concern was that he did not have the correct contractors insurance. His current insurance policy was unclear, and he wanted to be on the safe side which is what his clients expected.

We looked at the alternative and found that most policies expected him to check that his sub-contractors had public liability cover and he asked us to manage the checking process for him. We were delighted to oblige and through our research on the insurance policies available, he chose a policy that was competitive and clear.

The policy we arranged for him covered public liability and employers’ liability. We also checked his sub-contractors and we gave him advice that inspired them to request protection for their liabilities.