New activities, working heights or contract requirements are good reasons to speak to your broker before a project begins.
A new contract can change the risk your business presents. Different working heights, methods or responsibilities may need a conversation with your broker before the work starts.
Describe the work clearly
Explain what you will do, where you will work and who will be involved. Include heat work, design responsibilities, subcontractors and any activities outside your usual trade description.
Keep safety and insurance in view
HSE’s 2025/26 figures record 31 worker deaths from falls from height across Great Britain. This is not a construction-only figure. Its work-at-height guidance is an important starting point for those responsible for planning and supervising this work.
- Review the contract’s required insurance limits.
- Check how employees and subcontractors are treated.
- Discuss tools, plant and contract works separately where needed.
- Ask about significant exclusions and conditions affecting your activities.
Speak to us before committing
Public and employers’ liability cover does not automatically address every project exposure. We help you present your activities to insurers and understand the terms available. Any required change remains subject to insurer agreement.
Insurance does not replace safe systems of work, competent advice or your responsibilities for site safety.
Sources and further reading
Published 22 July 2026. Updated 21 October 2026. General information, not an assessment of your individual insurance needs. Cover depends on the policy and insurer agreement.