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Contractors All-Risk Insurance
Contractors all-risk insurance, including contract works, hired-in plant, own plant, and tools under one policy.
- Tailor your cover with flexible public liability limits, as well as high-risk trades and locations options.
- Popular limits of £1m, £2m, £5m and £10 million public liability cover.
- UK based support
Why choose contractors insurance with Towergate?
All-in-one contractors cover
Covers contract works, hired-in plant, own plant, and tools under one policy.
Public liability for contractors
Popular limits of £1m, £2m, £5m and £10 million public liability cover. Can be extended for high-risk contract works and locations.
Contractors' liability insurance
Liability cover to suit you, as part of a package or separately.
Pay for your contractors all-risk insurance by Direct Debit
Choose to spread your payment into 10 monthly Direct Debit instalments.
About contractors all-risk insurance
Tailored contractors all-risk cover
Our contractors all risk insurance can be tailored to your needs. As standard, it covers contract works, hired in plant, own plant and tools. It can be extended to cover contracting in hazardous or high-risk areas.
Contract works insurance
Contract works cover is included as standard in our Contractors All-Risk insurance. It provides protection against damage to works in progress from threats including fire, flood, storm, malicious damage, and theft.
Contractors insurance for high-risk work and hazardous locations
Contractors cover is available for high-risk trades, such as scaffolding, hot roofing and underpinning. We can also offer cover for contract work in hazardous or high-risk locations, if required.
Contractors public and employers' liability cover
Public liability cover for contractors with a choice of limits up to £10 million as standard, as well as employers' liability insurance. We can offer higher limits if you require it for specialist contract works. If professional indemnity insurance is required for your contract, we can also offer this under a separate policy.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the claims team on 0344 892 1384 and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Contractors all-risk insurance FAQs
Markel Direct provide and administer this cover. Markel Direct is a trading name of Markel International Insurance Company Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Financial Services Register no. 202570).
Contractors can risk legal action in respect of their liability to others for accidental personal injury or property damage arising from their activities. Potentially, the awards that can be made as a result of a successful claim can be substantial.
Unfortunately, even the legal costs of defending the most spurious claim may cause financial hardship. This underlines the importance of being insured for Public liability. This covers legal defence costs and compensation awards arising from accidental bodily injuries and property damage caused to others during your work.
Yes, Contractors All Risk will insure both permanent and temporary construction projects and as well as all materials you’re using on the project and Plant and Contractors Combined will cover you for both above, plus Liability insurance.
If you engage additional labour and staff on contract work, you will need employer’s liability insurance.
Yes, legal defence costs for liability claims are included as a standard option in our contractors’ cover. Plus, if you want Commercial Legal Expenses insurance then we can arrange this as an optional extra. The limit starts at £100,000 with the option to increase.
To help you spread the cost of your premiums, you can choose to spread payment over ten months with the Markel Direct quick and easy Direct Debit scheme.
If you bought your policy before 18th July 2024, you can view all your documentation in your online portal. If you purchased your policy on or after the 18th July 2024, access your documents at Markel's UK website
See our range of cover for contractors
Contractors all-risk insurance articles and guides
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