Liability cover for contractors.
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Our standard contractors cover includes public liability and employer's liability insurance. It can be extended to cover equipment, plant and tools, both your own and hired-in.
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 you require it.
We provide public liability cover for contractors of £1-5 million as standard. We can also offer higher limits if you require it for for specialist contract works.
We can also provide contractors all-risk insurance, to cover contract works, hired-in plant, own plant and tools under one policy.
If and when it comes to the crunch and you need to make a claim, we'll send the details of your claim to the insurer to get your claim resolved as quickly as possible.
If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.
Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.
Read our articles and guides to find out more about trade and liability insurance.
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Contractors can risk legal action in respect of their liability for 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.
If you employ others on contract work, you will need employer’s liability insurance.
Yes, legal expenses for liability claims are included as standard in our contractors cover. The limit starts at £100,000 with the option to increase.
Yes, we can offer cover for contractors working in hazardous or high-risk areas.
Yes, we can offer PII for contractors, as this is a common requirements for contract roles. This is a separate cover to our contractors insurance.
Yes, both types of employers are covered for the same risks, although it is very important you declare how your workforce are employed as it will affect how your risks are calculated.
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.