Contractors don’t always understand what insurance provision they have and how you will be paid if there is a problem during the works. Contractor’s often use the term ‘Fully Insured’ without understanding what you expect that to mean. If your contractor has simple Public and Employer’s Liability insurance, it won’t cover your home and it won’t cover the works being undertaken in the contract. Even if the contractor has works insurance, it still won’t cover your home. It is worth remembering that just because a contractor has insurance it doesn’t mean that their insurers will pay. Proving negligence against your contractor is very difficult and expensive.
