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Welcome to Keystone Insurance, The premier supplier of Business Insurance, Construction Insurance, Builders Insurance & Public Liability Insurance solutions to the businesses across the UK & Northern Ireland.

We are a nationwide & independent insurance brokerage house who offer specialist insurance solutions to businesses.

Keystone Insurance has been to the forefront of the commercial business insurance market for many years & our policies cover everything from public liability insurance & employers liability to buildings & stock.

We are a fully independent insurance brokerage with many satisfied clients across the UK & Northern Ireland.

We only use secure established insurers while quotations and cover are arranged quickly & professionally.

Policy documents are usually issued instantly by email or within 2 days if you prefer to receive your documents by post.

You can be sure that you will receive the experience, professionalism & quality service that you deserve as our specialist team only offer business insurance and are not a jack of all trades!

Our experienced & professional team quickly arranges quotes for the following types of Business Insurance:

  • Public Liability Insurance
  • Builders Insurance
  • Construction Insurance
  • Business Insurance Northern Ireland & UK

Please click on the following links to find out more about Business Insurance for your sector


What is Construction Insurance?

Construction Insurance Northern Ireland & UK is a broad term which covers a wide range of construction related insurance packages including Public Liability Insurance, Employers Liability Insurance, Contractors All Risks, Machinery Insurance, Personal Accident Insurance & Contract Bonds.

Construction Insurance is an extremely important consideration for construction companies due to the everyday risks involved.

What is Employers Liability Compulsory Insurance?

Employers Liability Insurance is Compulsory for Northern Ireland & UK companies once you have employees.

The law states that an employer must hold Employers Liability Compulsory Insurance [ELCI] with a minimum policy limit of £5 million however the vast majority of insurers automatically provide cover of £10 million. ELCI must cover all your employees in England, Scotland, Wales and Northern Ireland.

Are there any exceptions to the Compulsory Employers Liability Insurance requirement?

If your business is not a limited company, and you are the only employee or you only employ close family members, you do not need compulsory ELCI.

Limited companies with only one employee, where that employee also owns 50 per cent or more of the issued share capital in the company, are also exempt from compulsory ELCI.

What are the penalties for not holding Compulsory Employers Liability Insurance?

The Health & Safety Executive for Northern Ireland (HSENI) is responsible for enforcing the law on ELCI. You can be fined up to £2,500 for each day that you do not have appropriate insurance.

Generally, someone is defined as your employee if:

  • you deduct National Insurance contributions and income tax from the salary you pay them
  • you control when, where and how they work
  • they cannot employ a substitute when they are unable to work

Click here for more information on Construction Insurance Northern Ireland & UK

Click here for more information on Business Insurance Northern Ireland & UK


Is Construction Insurance expensive?

The cost varies depending on a number of factors such as occupation, number of employees, turnover, claims history etc but overall the cost of construction insurance has fallen dramatically in recent years.

Why not contact us today for a quote? It costs nothing so you have nothing to lose!

First Time Construction Insurance

We make it as easy as possible for contractors to arrange first time insurance. Quotes are arranged within a few hours and cover can be arranged over the phone. To help with your cash flow, direct debits are available on all our policies over ten equal installments. As construction insurance Northern Ireland & UK specialists you can be sure that you will receive the quality & service that you require so contact us today for a quote.

Construction Insurance Renewal

If your insurance is due for renewal soon contact us for a quote. It costs nothing so you have nothing to lose.

Often clients hold insurance with the same broker or insurer for many years without checking the market to ensure that they are getting the best possible cover for their money. We offer a specialised service to the Construction Industry and are glad to prepare quotations for your companies’ construction insurance needs. As we hold agencies with all the major construction insurance Northern Ireland providers you can be certain that the level of service and value for money that you receive is second to none.

If your construction insurance is not due for renewal for a number of months email or phone us with your renewal date and we will contact you closer to the renewal date to discuss your needs.


What is Public Liability Insurance?

Public liability Insurance Northern Ireland & UK covers claims made against your business, if its owners, directors, employees or sub contractors are shown to be responsible for injury or damage to third parties or their property.

As we live in a society where the first call after an accident is often to a solicitor rather than the hospital, public liability insurance Northern Ireland & UK is something all businesses need to take very seriously as part of their business insurance Northern Ireland & UK package.

Consider the following examples where Public Liability Insurance will provide cover:

  • You run a plumbing company. One day you are called to an office to sort out a problem in their kitchen. Accidentally, you burst a pipe, and flood the office. Your client then makes a claim against you for the damage to their carpet and computer systems which have been damaged by the water.
  • You are a building contractor. While walking along scaffolding one of your employees drops a piece of equipment which falls to the street, injuring a passing pedestrian. The pedestrian makes a claim against your firm.

Why is Public Liability Insurance Northern Ireland so Important for Irish Contractors?

For the Construction Industry, Public Liability Insurance Northern Ireland in today's litigious society is more important than ever. As a construction contractor in Northern Ireland & UK, it is essential that your business holds public liability insurance as your business activities mean that you can be sued by the public for your negligence. Although the ‘claims culture’ in Northern Ireland is not as rampant as in the USA, more and more people, instead of accepting that loss or damage can happen by accident, are encouraged to believe that it must have been through someone's negligence - with the result that they sue hence the need for Public Liability Insurance Northern Ireland & UK. In particular, the arrival & growth of 'no-win no-fee' agreements and legal expenses cover has meant that access to the courts has never been easier. This ease of access, together with the perception that judges will award compensation in virtually every case has resulted in the growth of Public Liability claims in the last decade.

Click here for more information on Public Liability Insurance Northern Ireland & UK

Click here for more information on Business Insurance Northern Ireland & UK