Contractors Insurance

Liability cover for contractors.

  • Tailored insurance and bespoke policy for your specific contracting needs
  • £1-5 million cover for public liability with the option to extend
  • Variable height and depth limits based on your business requirements

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0344 346 0409
0344 346 0409

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Features of our contractors insurance

Contractors liability and plant insurance

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 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 you require it.

Standard contractors liability insurance up to £10 million

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.

Contractors all-risk cover

We can also provide contractors all-risk insurance, to cover contract works, hired-in plant, own plant and tools under one policy.

Contractors Insurance Claims

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.

Need to make a 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.

0344 346 0409

Contractors Insurance Articles & Guides

Read our articles and guides to find out more about trade and liability insurance.

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How to be Self-Employed: A Guide

Starting your own business is one of the most exciting career moves you can make. More and more entrepreneurs are making the leap, with the number of self-employed people growing from 3.8 million in 2008 to 4.8 million in 2017.

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Ultimate Guide to Workplace Health and Safety

When buying liability insurance for your business it is all too easy to think that your moral and legal responsibility ends there. However, it is important that you work to reduce the risk of accidents occurring as a result of your business. Read our guide to find out how risk assessments and first aid training can help your business.

Contractors Insurance FAQs

Why do I need contractor public liability insurance as a contractor?

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.

Do I need employer’s liability insurance?

If you employ others on contract work, you will need employer’s liability insurance.

Are legal expenses covered in your contractors 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.

Can you cover contract work in hazardous or high-risk areas?

Yes, we can offer cover for contractors working in hazardous or high-risk areas.

Can you offer professional indemnity insurance for contractors?

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.

Are labour-only sub-contractors covered in the same way that direct PAYE staff are under the employer’s liability policy?

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.

Can I pay in instalments?

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.

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