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Insurance For Demolition Companies
High-Risk Work Deserves Specialist Protection.
Demolition work brings significant physical and liability risks — from structural collapse to noise, dust, vibration, and third-party exposure. At ERM Financial Services, we provide tailored insurance for Irish demolition contractors, ensuring your projects are covered from pre-commencement to post-clearance.
With over 30 years’ experience in construction and high-risk contracting, we know how to structure cover that meets health & safety obligations, local authority requirements, and contractual demands.
Who We Work With
Demolition contractors (domestic and commercial)
Soft strip and internal demolition firms
Contractors using explosive or mechanical methods
Site clearance and asbestos-removal specialists (subject to risk appetite)
Insurance for Contractors
Key Insurance Covers for Demolition Contractors:
Contractors All Risks (CAR) Insurance
Covers damage to works, materials, and temporary structures (e.g. site offices, fencing). Protects your assets on-site during the project.
Public Liability Insurance
Protects against third-party injury or property damage — vital for demolition due to proximity to neighbouring buildings, pedestrians, and utilities.
Employers’ Liability Insurance
Covers injury or illness to employees or labour-only subcontractors. Especially important in high-risk physical environments.
Specialist Plant & Equipment Insurance
Covers owned or hired-in machinery such as high-reach excavators, breakers, or crushers — including transit and on-site use.
Professional Indemnity (if design or sequencing input is given)
Needed where you provide site methodology, temporary support design, or project planning advice that could trigger liability.
Optional Covers:
Accidental damage to neighbouring property (non-negligent liability cover, where contractually required)
Environmental liability insurance (where applicable)
Legal expenses and personal accident cover
Why ERM?
- Deep knowledge of high-risk construction trades
- Rapid cert issue and contractor-friendly service
- Direct adviser access — we know demolition, not just insurance
- Fully regulated by the Central Bank of Ireland
FAQs – Insurance for Demolition Contractors
1. What makes insurance for demolition work different?
The risk profile is much higher due to structural instability, hazardous materials, and third-party exposure. Policies need to be specifically underwritten for demolition — not generic construction risks.
2. What does Public Liability cover in a demolition setting?
It protects against injury or property damage caused to third parties — including falling debris, vibration damage to neighbouring properties, or disruption to public access.
3. Do I need Employers’ Liability for subcontractors?
If they are labour-only and under your instruction, yes. We’ll assess your workforce structure and make sure the policy fits.
4. Is CAR still useful if I’m not building anything?
Yes. It can cover tools, plant, welfare units, and site-related losses — and may be required under contract, even for clearance-only work.
5. What if I provide a demolition sequence or structural advice?
That introduces professional exposure — PI Insurance is advisable, especially if you’re named as the responsible party in the method statement or RAMS.
6. Can I get cover for explosive or asbestos-related work?
Possibly. It depends on your safety procedures, accreditations, and insurer appetite. We’ll discuss this with you in detail.
7. Can I bundle all covers into a single policy?
Yes. Many clients prefer a single contractor policy covering CAR, PL, EL, plant, and PI if needed — reducing admin and ensuring consistency.
8. How fast can you issue certs or indemnity letters?
Often same-day. We understand site pressures and keep our service responsive and practical.
9. Is ERM Financial Services regulated?
Yes. ERM Financial Services is regulated by the Central Bank of Ireland.