Northern Ireland Construction Insurance

Welcome to Keystone Insurance, The premier supplier of Construction & Liability Insurance solutions to the Construction Industry in both Northern Ireland & the Republic of Ireland.

We are a nationwide & independent insurance brokerage house who offer specialist construction insurance solutions to the Construction Industry.

Although our primary customer base is the Island of Ireland we also arrange cover for contractors based anywhere in the UK & have many satisfied customers across the UK.

You can be sure that you will receive the experience, professionalism & quality service that you deserve as our specialist team only offer construction insurance and are not a jack of all trades!

Our experienced & professional team quickly arranges quotes for the following types of construction insurance.

What is Construction Insurance?

Construction Insurance is a broad term which covers a wide range of construction related insurance packages including Public Liability Insurance, Employers Liability Insurance, Contractors All Risks, Machinery Insurance, Personal Accident Insurance & Contract Bonds.

Construction Insurance is an extremely important consideration for construction companies due to the everyday risks involved.

What is Employers Liability Compulsory Insurance?

Employers Liability Insurance is Compulsory for Northern Ireland & UK companies once you have employees.

The law states that an employer must hold Employers Liability Compulsory Insurance [ELCI] with a minimum policy limit of £5 million however the vast majority of insurers automatically provide cover of £10 million. ELCI must cover all your employees in England, Scotland, Wales and Northern Ireland.

Are there any exceptions to the Compulsory Employers Liability Insurance requirement?

If your business is not a limited company, and you are the only employee or you only employ close family members, you do not need compulsory ELCI.

Limited companies with only one employee, where that employee also owns 50 per cent or more of the issued share capital in the company, are also exempt from compulsory ELCI.

What are the penalties for not holding Compulsory Employers Liability Insurance?

The Health & Safety Executive for Northern Ireland (HSENI) is responsible for enforcing the law on ELCI. You can be fined up to £2,500 for each day that you do not have appropriate insurance.

Generally, someone is defined as your employee if:

• you deduct National Insurance contributions and income tax from the salary you pay them
• you control when, where and how they work
• they cannot employ a substitute when they are unable to work

Is Construction Insurance expensive?

The cost varies depending on a number of factors such as occupation, number of employees, turnover, claims history etc but overall the cost of construction insurance has fallen dramatically in recent years.

Why not contact us today for a quote? It costs nothing so you have nothing to lose!

First Time Construction Insurance

We make it as easy as possible for contractors to arrange first time insurance. Quotes are arranged within a few hours and cover can be arranged over the phone. To help with your cash flow, direct debits are available on all our policies over ten equal installments. As construction insurance specialists you can be sure that you will receive the quality & service that you require so contact us today for a quote.

Construction Insurance Renewal

If your insurance is due for renewal soon contact us for a quote. It costs nothing so you have nothing to lose.

Often clients hold insurance with the same broker or insurer for many years without checking the market to ensure that they are getting the best possible cover for their money. We offer a specialised service to the Construction Industry and are glad to prepare quotations for your companies' construction insurance needs. As we hold agencies with all the major construction insurance providers in Ireland you can be certain that the level of service and value for money that you receive is second to none.

If your construction insurance is not due for renewal for a number of months email or phone us with your renewal date and we will contact you closer to the renewal date to discuss your needs.