SIB Annual Contractors Combined

SIB Annual Contractors Combined Policy

"*" indicates required fields

Policy type*

Liability Insurance

Contractors All Risk Insurance

Contractors Combined Insurance includes both, Liability insurance and Contractors All Risks insurance.

Contact Name*

First Last

Email*

Phone*

Business Name*

Business Address*

Street Address Address Line 2 City County / State / Region ZIP / Postal Code Country

Date business established*

If established less than 5 years, please provide details of the directors previous experience at the end of this document

ERN details*

Renewal date*

Current Insurer*

Upload Current Policy Schedule

Max. file size: 100 MB.

How many years have you been insured with your current Insurer

Are you a member of any trade associations?*

If yes, please provide details.

Do you hold any ISO accreditations?*

If yes, please provide details.

Please describe your business activities as you would like to be shown on your Policy Schedule

In the last 5 years has the proposer, director or partner of the business or its subsidiary companies, either personally or in any business capacity, suffered any loss, made any claims or been involved in any incident or circumstances which may give rise to a claim in respect of the risks proposed?*

If yes, please provide details of the claim(s)

Has any proposer, director or partner of the business or its subsidiary companies ever, either personally or in any business capacity, had a proposal refused or declined or claim repudiated or ever had an insurance cancelled, renewal refused or had special terms imposed?*

If yes, please provide details.

Has any proposer, director or partner of the business or its subsidiary companies ever, either personally or in any business capacity had any convictions, criminal offences or prosecutions pending other than motor offences?*

If yes, please provide details.

In the last 5 years has any proposer, director or partner of the business or its subsidiary companies either personally or in any business capacity been declared bankrupt or insolvent or been the subject of bankruptcy proceedings or receivership/ insolvency proceedings?*

If yes, please provide details.

In the last 5 years has any proposer, director or partner of the business or its subsidiary companies either personally or in any business capacity been the subject of an individual voluntary arrangement with creditors, voluntary liquidation, a winding up or administrative order, or administrative receivership proceedings?*

If yes, please provide details.

In the last 5 years has any proposer, director or partner of the business or its subsidiary companies either personally or in any business capacity had a county court judgement awarded against them?*

If yes, please provide details.

In the last 5 years has any proposer, director or partner of the business or its subsidiary companies either personally or in any business capacity had a county court judgement awarded against them?*

If yes, please provide details.

In the last 5 years has the proposer, director or partner of the business or its subsidiary companies either personally or in any business capacity received a HSE prosecution or prohibition notice or improvement order?*

If yes, please provide details.

LOCATIONS & TYPES OF WORK UNDERTAKEN

What % of your work is undertaken at the following?

Domestic – PDH & Flats*

Commercial – Shops & Offices*

Other Commercial*

Industrial – Manufacturing plant & production areas*

Other Industrial*

Hospitals*

What % of overall works is on new build properties?*

What % of overall works is alterations, maintenance & repair?*

Please provide details of 3 largest ongoing or upcoming contracts, listing the nature of works, location, duration and value

On average, how many active sites are you working on at any one time?*

Do you carry out any of the following types of work or work at the following locations;

Work with acids, gases, chemicals, explosives, radioactive or similar dangerous liquids or substances?*

If yes, please provide details.

Work on power stations, nuclear installations or establishments?*

If yes, please provide details.

Work on refineries, bulk storage, or premises in oil, gas or chemical industries?*

If yes, please provide details.

Work in aprons, hangars, on runways or on aircraft, hovercraft, aerospace systems, watercraft, signalling or track work at railway locations, underground, quarries, underwater at docks, harbours or piers?*

If yes, please provide details.

Work in or on computer suites or on computers?*

If yes, please provide details.

Work on bridges, viaducts, towers, steeples, chimney shafts or blast furnaces?*

If yes, please provide details.

Work with any fixed powered woodworking machinery?*

If yes, please provide details.

Work involving piling, underpinning, demolition or tunnelling?*

If yes, please provide details.

Work involving retro-fit basements to buildings?*

If yes, please provide details.

Work involving the use of timber frames to new or existing buildings?*

If you have answered yes to any of the above, please provide the below details

How many years have you been involved in timber frame construction?*

How much turnover relates to the erection of timber frame buildings?*

What percentage of your timber frame contracts are undertaken by bona fide sub-contractors?*

If using bona fide sub-contractors do you make them fully responsible for insuring the Works?*

What timber frame system(s) do you use?*

What percentage of your work on timber frame structures relates to buildings over two storeys?*

What is the largest value of any one timber frame block or structure?*

What systems are in place to manage the use of heat on site when building timber framed structures i.e. hot work permits, fire extinguishers?*

What is the maximum number of flats in any one block or number of houses in one estate built using timber frames?*

What is the maximum number of storeys of any timber framed building?*

If you work on multiple blocks of flats or numerous PDH’s built using timber frames, what is the minimum distance between them?*

When building using timber framed properties, does the site and work undertaken comply with:

(a) The Joint Code of Practice (9th Edition or future updates)?*

(b) The Structural Timber Frame Association (STA) guidelines?*

How do you store, manage and dispose of combustible waste when building using timber frames?*

Has the timber being used been treated with any fire-retardant chemicals?*

If yes, please provide details*

What security precautions do you take to protect timber frame buildings during completion? Is there:

a) 24 hour manned security?*

b) CCTV?*

c) Perimeter fencing/ hoarding?*

Other security:*

Please provide details of your last 5 timber frame contracts:

Details of Contract Contract Price Contract duration

Contracts solely for the laying of main sewers?*

If you have answered yes to the above question, please provide details in the box below

Work on or in any ship, vessel, water craft, air cushioned vehicle or jetties?*

If you have answered yes to the above question, please provide details in the box below

Overseas, outside of the UK or offshore?*

If you have answered yes to the above question, please provide details in the box below

ESTIMATES AND COVER LIMITS FOR THE FORTHCOMING 12 MONTHS

Unless advised otherwise we will apportion your estimates in accordance with the splits in work activity provided

Indemnity Limit

Do you require Public Liability insurance?*

Public Liability

Do you require Employers Liability insurance?*

Employers Liability

Wage roll estimates

Clerical*

Drivers*

Site supervisors*

Yardmen*

Fixed woodworkers*

Manual (PAYE)*

Manual (LOSC)*

Payments to BFSC*

Contracting Turnover*

Last Year

Two Years ago

Three Years ago

What % of your turnover is derived where your Employer is responsible for insuring the contract works, see example JCT clauses below*

JCT clauses making the Employer responsible for arranging cover: JCT 5.4B requires the Employer to take out a “Joint Names” insurance policy for the new works (all risks) and existing structure (specified perils) JCT 5.4C requires the Employer to take out a “Joint Names” insurance policy for the existing structure and contents on a specified perils basis. JCT 6.7B requires the Employer to take out a “Joint Names” insurance policy for new buildings. JCT 6.7 Option C.1 requires the Employer to take out a “Joint Names” insurance policy for existing structures and contents on a specified perils basis. JCT 6.7 Option C.2 requires the Employer to take out a “Joint Names” insurance policy for work in or extension to existing buildings on an all risks basis.

CONTRACTORS ALL RISK

Maximum value of any one contract*

Current value of own plant, tools and temporary buildings*

Maximum value of any one item of own plant*

Maximum value of own plant at any one site*

Hired in plant: Estimated annual hiring charges*

Hired in plant: Maximum value of any one item*

Hired in plant: Maximum value at any one site*

Employees’ tools total sum insured*

Maximum value per employee*

HEALTH & SAFETY MANAGEMENT

What Health & Safety accreditations do you hold?*

What is the date of the last review of your H & S policy?*

How is this communicated and agreed with employees?*

Do you receive Health & Safety advice from any external organisation?*

If yes, please provide details*

Are your Health & Safety systems externally audited?*

If yes, please provide details*

Do you have a trained competent person responsible for Health & Safety matters?*

If yes, please provide name and position of such person and details of formal training/qualifications*

Name Position Training

Do new employees complete a medical questionnaire?*

Is employee training recorded?*

If yes, how frequently is this reviewed?*

Do you supply and enforce the use of Personal Protective Equipment?*

If yes, is this recorded and signed for?

RISK ASSESSMENTS

List your main workplace hazards*

List your main health hazards*

Does each site have job specific risk assessments?*

Does each site have documented site inspections?*

Are method statements prepared for each contract/job?*

Do you undertake post-incident reviews following losses or near misses?*

How many incidents in the last 5 years have been reported under RIDDOR?*

For what percentage of your work are you the main contractor for purpose of CDM Regulations?*

Do you use Bona-Fide sub-contractors?*

If so, for what type of activities?*

What selection procedures do you use before engaging Bona-Fide sub-contractors?*

Do you check and record that they have Employers and Public Liability insurance covering the work being undertaken on your behalf?*

HEIGHT

What is the maximum height from ground level you will work at?*

Metres

If over 10 metres, what % and nature of work is above this height?

What is the maximum number of storeys you will work at internally?*

Storeys

DEPTH

What percentage of your work is carried out at the following depths;

0-1 Metres*

1-3 metres*

3-5 metres*

Below 5 metres*

If you undertake work below 5 metres, what is the nature of the work?*

USE OF HEAT

Do you or your subcontractors undertake hot work or use heat producing apparatus or equipment (flame or otherwise)?*

If yes, what % of your turnover and what hot work equipment or apparatus is used?

Do you operate a ‘hot work’ permit system for heat applications?*

Are all persons using heat fully trained and qualified?*

How do you communicate your policy heat condition to your operatives?*

Do you have a Fire Evacuation procedure?*

Is smoking restricted to designated site areas only?*

For projects valued over £3M are you compliant with the Joint Code of Practice for the prevention of fire?*

SITE SECURITY AND PLANT SAFETY

Does your site safety and security arrangements include;*

Control of access/egress to site of visitors?

Full site perimeter fencing and boarding?*

Arrangements for securing valuable and portable equipment outside working hours?*

What % of mobile plant is fitted with tracking devices?**

What % of mobile plant is fitted with immobilisers?**

What % of your mobile plant is registered with CESAR?**

What % of your mobile plant is fitted with physical security devices?**

Are you able to provide a plant inventory?**

*Discounts are available for plant fitted with security devices and where an inventory of plant is provided

If yes, please provide details.

WASTE – ASBESTOS CONTAINING MATERIAL (ACM’S)

Do you or have you ever held an asbestos licence?*

Do you undertake assessments of contract sites for the presence of asbestos?*

Do you make sure all persons under your control are made aware of the presence of asbestos?*

Will you undertake to remove, repair or disturb ACM’s in the course of a contract?*

If yes, will you always arrange for licenced contractors to carry out the works and dispose of ACM’s?*

If no, what are you procedures?

Additional Information