Insurance News & Guides
Expert advice and guides on business insurance from the Moyak team.
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Contract Works Limits Just Doubled: 5 Insurance Realities Behind the Easing Contractor Market
The contractors all risks market is beginning to loosen. Two October announcements point to a more accommodating picture: HSB’s Contractors All Risks appetite has widened, with higher limits and reductions for some trades, while Marsh has launched two construction facilities…
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ÂŁ145,000 Split Between Two Firms After One Dumper Overturned: 5 Insurance Lessons for Principal Contractors and Subcontractors
On 2 October 2026, two construction companies were fined a combined ÂŁ145,000 after a worker died when a dumper truck overturned at a site in Carrickfergus. The case is a sobering reminder that responsibility on a construction site can be…
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ÂŁ566,666 Fine for Worn Lifting Chains: 5 Insurance Lessons from the Molten Zinc Prosecution
On 20 October 2026, the Health and Safety Executive (HSE) announced that Wedge Group Galvanizing Limited had been fined ÂŁ566,666 and ordered to pay ÂŁ15,521 in costs. The sentence was imposed at Bristol Magistrates’ Court on 14 October, following an…
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ÂŁ120,000 Fine After a Fatal Fall Through Open Joists: 5 Insurance Realities of Working at Height
On 24 September 2026, W G Carter Limited was fined ÂŁ120,000 and ordered to pay ÂŁ5,247 in costs after pleading guilty to breaching Regulation 4(1) of the Work at Height Regulations 2005. The case followed the death of carpenter Richard…
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ÂŁ4 Million Fine for One Unplanned Lift: 5 Insurance Lessons from the Latest HSE Prosecution
On 16 October 2026, City Electrical Factors Limited was fined ÂŁ4 million and ordered to pay ÂŁ6,304 in costs at Birmingham Magistrates’ Court. The prosecution followed a serious loading incident at the company’s Proteus Switchgear Industrial Division in Telford. Two…
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Housebuilding Falls to a 14-Year Low: 5 Insurance Moves for Contractors When the Work Dries Up
For contractors, a thinner pipeline can mean more than fewer enquiries. A project put on hold may leave work, materials or equipment exposed, while a drop in turnover can make insurance costs harder to manage. It is understandable to look…
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ÂŁ500,000 Penalties and a 30-Year Claims Window: 5 Insurance Checks After the New Cladding Remediation Bill
The Remediation of Unsafe Cladding Bill, introduced to Parliament on 14 October 2026, signals a tougher approach to unsafe cladding in residential buildings in England. For contractors and developers, the message is clear: historic cladding and fire-safety work may bring…
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New Right-to-Work Rules Put Main Contractors in the Firing Line: 5 Insurance Checks Before Your Next Subcontractor Starts
From 1 October 2026, right-to-work rules in the UK reach further into certain construction supply chains. That matters to main contractors and developers who rely on subcontractors, labour-only arrangements or several tiers of labour supply. A business may face a…
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ÂŁ612,000 in Tower Hamlets: Why the Building Safety Levy Is Quietly Breaking Contractors’ Insurance Values
The Building Safety Levy came into force in England on 1 October 2026. For developers, it is a new project cost. For contractors and their brokers, the less obvious issue is what happens when that cost arrives after project budgets…
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Construction Contractor Insurance vs General Contractor Liability Insurance: Which Do You Actually Need?
The short answer is that these terms often describe different parts of an insurance arrangement, not two equivalent policies. “Construction Contractor Insurance” usually refers to a package of covers for a contractor’s business and projects. “General Contractor Liability Insurance” usually…