Contractors' Negligence

Whilst certain contract conditions between you and the contractor may mean that you are responsible for insuring certain aspects of cover in joint names with them, meaning that you or your insurer cannot pursue a negligent contractor causing loss from a contract specified cause, there may be circumstances where you or your insurer are able to pursue a recovery from a contractor.

You should check that any contractor working for you has adequate Public Liability insurance. Contractors would normally have cover, somewhere between a limit of £1,000,000 to £5,000,000. It would be wise to ensure that their cover limit would be enough to reimburse you should they be responsible for causing a total loss at your property e.g. if your house is worth £2,000,000, it would be sensible to insist that they have Public Liability cover in force for at least £2,000,000.