While the UK remains in lockdown, we know that many contractors are working reduced hours, and many are currently not working at all. Financial pressures may mean that you are looking to manage your outgoings and reduce spending where possible. This may cause you to question the money your currently spend on your insurance, wondering if it's a cost you could do without, or even if the cover is still valid.

NAPIT Insurance
NAPIT Insurance Admin
As the Novel Coronavirus (COVID-19) outbreak continues to spread it’s understandable that businesses are concerned throughout the UK and the World.

It’s also not surprising that businesses are now preparing for any potential impact on their operations. This includes the potential for business interruption, due to the presence of the virus on their premises, employee absenteeism, or supply chain disruptions.

We have received enquiries as to whether there is any insurance cover for this occurrence. On 4 March, the government upgraded Coronavirus Covid-19 to an infectious disease. What this means is that it may be possible that you have some cover against Covid-19 under the infectious diseases part of your policy.

Coronavirus and insurance considerations

One question being raised is whether insurance coverage might respond to virus-linked losses. This will be dependent on each policy wording, and whether the facts of each case, trigger coverage provisions.

Property policies


NAPIT Insurance
NAPIT Insurance Admin
What is contract works insurance?
NAPIT Insurance
NAPIT Insurance Admin
The start of a new year (and a new decade!) is the perfect opportunity to make sure your house is in order. When it comes to your business, insurance is an important element and one that can be overlooked. Making sure you have the right insurance types and levels of cover is vital, after all, the worst time to realise there are gaps in your insurance is when you come to make a claim.
NAPIT Insurance
NAPIT Insurance Admin
Professional indemnity insurance, or PI, is a key element of many business insurance policies. As a member of NAPIT it is a condition of your membership to have adequate PI cover in place. With a commercial insurance policy from NAPIT Insurance, PI cover is included for you as the policyholder and also extends to cover any employees or contractors working for you.
NAPIT Insurance
NAPIT Insurance Admin
As a tradesperson, you rely on your tools to do your job, and your van to get to those jobs. So if those things were stolen from you, it would have a huge impact on your ability to work.
NAPIT Insurance
NAPIT Insurance Admin
As a NAPIT member, there are minimum requirements when it comes to the business insurance you should have in place. Of course you could choose an “off the shelf” policy for your business insurance, but what if that means there are gaps in your cover? You may not find this out until you come to make a claim.
NAPIT Insurance
NAPIT Insurance Admin
As a small business owner, you have to wear many hats. In addition to your day-to-day work other areas such as accounts, recruitment and sales can take up a lot of your time. It’s also unlikely that you have access to a marketing team to help spread the word about your company.
NAPIT Insurance
NAPIT Insurance Admin
The UK’s construction industry is responsible for approximately 10% of employment, providing jobs for around 3 million people. This diverse industry generates more than £110 billion per year, which equates to around 7% Gross Domestic Product.
NAPIT Insurance
NAPIT Insurance Admin