What To Ask Your Broker at Renewal

Public Liability

Is defective workmanship excluded or covered?Is pollution/contamination covered (even gradual)?Is asbestos excluded entirely?Are labour-only subbies covered under my EL or their own?What is the excess on PL claims?Does cover extend to work outside the UK?

Employers' Liability

Minimum £5m cover confirmed?All workers (including casual/temporary) declared?Labour-only subcontractors — are they on EL or PL?

Tools & Equipment

What is the unattended van rule? (time limit, visibility)Is overnight cover conditional on specific locks/security?New-for-old replacement or market value?Is there a single-item limit?Are hired-in tools covered?

Van / Vehicle

Correct use class declared? (carriage of own goods, etc.)Overloading clause — what happens if over GVW?EV-specific recovery cover if applicable?Is sign-writing/livery covered under accidental damage?

Professional Indemnity (if applicable)

What counts as "professional services" under the policy?Known issues/circumstances duty — what must I disclose?Run-off cover if I stop trading?

General — Ask Every Time

All trades and activities I do are declared?Turnover figure is correct and up to date?All claims and incidents reported (even if not claimed)?Any warranty or exclusion changes from last year?

My Renewal Dates

Public Liability

___/___/______

Employers' Liability

___/___/______

Van Insurance

___/___/______

Tools Cover

___/___/______

Professional Indemnity

___/___/______

SiteKiln provides general guidance only. This is not legal, tax, financial or professional advice. Always verify information and seek professional advice if unsure. © SiteKiln 2026

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