Car insurance for self-employed people in construction-indispensable protection against damage claims
Do you work as an independent (self -employed person) in construction ? Then you run a daily risk of damage to your work, construction errors or theft of tools and materials . Even the smallest error can lead to financial damage and liability claims. With a construction All Risk (Car) insurance for self -employed people, you protect yourself and your company against these risks and you can work with confidence on construction projects.
Why a car insurance as a self-employed person in construction?
As a self -employed person you are often responsible for damage that arises during a construction project. Think of broken building materials, damage to a home through a mounting error or a stolen set of tools . Without car insurance you spend yourself for these costs. A CAR insurance provides coverage for:
✔ Damage to the work - for example due to collapse, incorrectly executed constructions or assembly errors
✔ Theft and vandalism - compensation for stolen or damaged building materials and tools
✔ Damage to the property of third parties - protection if you accidentally cause damage to a home or surrounding site
✔ Damage due to the repair of the rain or other externne factors
✔ during construction
With car insurance for self-employed people you prevent unexpected costs and you can work without financial worries.
We compare CAR insurance Finass insures) with the best insurers, so that you get the best and most affordable premium CAR insurance
For which self-employed people in construction is a car insurance suitable?
✔ Carpenters and bricklayers- protection against damage to constructions and materials
✔ Roofers and facade specialists- coverage in the event of damage caused by unforeseen circumstances
✔ Plumbers and installers- insurance for damage to pipes, installations and building constructions
✔ Painting and reducing companies- cover for damage during the completion of a project
Whether you work on small renovations or large construction projects, a CAR insurance is the way to limit financial risks.
Frequently asked questions about CAR insurance :
What is CAR insurance?
WITH A CONSTRUCTION ALL RISK (CAR) INSURANCE, YOU INSURE DAMAGE CAUSED BY YOU AS A (INDEPENDANT) CONTRACTOR, JOB COMPANY, CONSTRUCTOR, CLIENT OR ARCHITECT DURING THE CONSTRUCTION OR RENOVATION OF A PROPERTY. DAMAGE TO THE CONSTRUCTION WORK IS COVERED. AS WELL AS DAMAGE TO AUXILIARY MATERIALS, SUCH AS SCAFFOLDING AND TOOLS.
Is CAR insurance mandatory?
This insurance is not legally required . It is becoming increasingly common for the client to demand that the work be properly insured , because he does not want to run any unnecessary risks and because he wants to prevent construction delays.
What does CAR insurance not cover?
The CAR insurance covers unforeseen damage. Damage caused as a result of intent cannot be compensated. The contractor, self-employed person or private individual who CAR insurance is expected to take precautions to prevent damage as much as possible .
Can you take out car insurance as a private individual?
CAR insurance for private individuals covers material damage that may work . A CAR insurance is in fact an all-risk insurance for a construction project as a whole . CAR insurance for private individuals offers a solution when you have your house built or renovated .
Why take out CAR insurance?
With CAR insurance ( Construction All Risk Insurance ) you insure material damage that occurs during the construction or assembly of buildings, roads, bridges and installations. This includes damage caused by fire, storm or theft. But also damage caused by a construction error, design error or construction error.
How do you choose the right Car insurance as a self-employed person?
When taking out a car insurance as a self-employed person, it is important to take into account:
🔹 coverage area - Make sure your insurance is valid for all types of projects that you carry out.
🔹 Maximum insured amounts - Ensure sufficient coverage with expensive materials and repair costs.
🔹 Cover for damage to third parties - Check whether you are insured against damage to the property of customers or contractors.
🔹 Additional insurance - Consider liability insurance to protect yourself extra against damage claims.
With the right CAR insurance you can work on every project as a self-employed person in construction .
Take out a Car insurance for self-employed people today!
Do you work as a self -employed person and do you want to protect your work against damage, theft and liability? Then choose a specialist construction All Risk (Car) insurance for self -employed people and avoid financial risks. Compare the best Car-Verzekeringen now and request a quote immediately!
You can choose from 2 different CAR insurance policies : one continuous and one declining. Which one you need depends on 3 factors: the number of construction orders, the construction price and the duration.
1. Continuous CAR insurance
Do you have several construction projects per year? Then a continuous CAR policy offers a solution. You then cover all your construction projects in one go, have less administration and pay a lower premium per construction project (compared to the expiring CAR insurance ). Does your construction project take longer than the agreed insurance period? a (higher) renewal premium when your CAR insurance With continuous CAR insurance we charge the same premium for a maximum construction period of 24 months.
2. Expiring CAR insurance
Do you have a one-off construction project? Then temporary CAR insurance a solution. You take out this insurance per project.
