Standard cover from £1 million to £10million with option to extend to higher limits available.
Variable height and depth limits based on your contracting business requirements
Dedicated claim handlers to give you peace of mind
You can choose to split your payments into 10 monthly instalments
Our standard contractors cover includes public liability and employers’ 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 contractors public liability cover for £1 million upwards. We can also offer higher limits than £10m if you require it for larger specialist contracts.
We can also provide contractors all-risk insurance, to cover contract works, hired-in plant, own plant and tools under one policy.
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. Public liability covers legal defence costs and compensation awards arising from accidental bodily injuries and property damage caused to others during your work.
Even spurious claims can result in awards that cause financial hardship, so if you are a contractor, it is in your best financial interests to obtain contractors' insurance. The likelihood of an injury or damage-related incident increases with larger or more hazardous projects, and could result in higher costs to contractors.
The cost of replacing equipment or tools alone can be hugely expensive - especially if they are specialised tools. Contractors' insurance can help to protect you in this instance and will also give you greater peace of mind when using your own or hired equipment.
If you employ others on contract work, you will need employers' liability insurance.
Yes, legal defence costs for liability claims are included as standard in our contractors cover. However, 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.
Yes, we can offer cover for contractors working in hazardous or high-risk areas, also work at height, depth or involving application of heat.
Yes, we can offer PII for contractors, as this is a common requirement for contract roles providing design and advice. This is a separate cover to our contractors insurance.
Yes, we can cover labour only sub-contractors, as well as PAYE staff for the same risks under your EL(Employers' Liability) cover. It is very important to declare how your workforce are employed as this will affect how your risks are calculated.
Standard Contractors' Liability cover will generally include public liability for a specified limit of indemnity selected by you – normally £1m, £2m, £5m or higher limits are available. When considering a level of indemnity suitable for you, you should consider:
Where employers' liability insurance is included this will be suitable to meet your minimum legal requirements and will normally be at least £10m any one claim. If you have a large work force, higher limits are available.
Contractors' all-risk insurance covers contract works, hired-in plant, own plant and tools under one policy.
If you are unsure which level of cover would suit you best it is worth speaking to a specialist adviser.
There are a number of factors you will need to consider when it comes to choosing the right level of contractors' insurance cover for you.
It is important to consider the nature of your work when choosing your contractors' insurance policy. High-risk trades such as scaffolding, hot roofing and underpinning can incur higher costs if things go wrong, so may require more forms of cover than low-risk jobs. If the contract work is in hazardous or high-risk locations, then this should also be considered when choosing your policy.
If your job requires you to use your own or hired tools that could be at risk of damage during the work, then standard contractors' cover can be extended to cover them.
When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
and make sure you have all your information at hand, including your policy number
on 0344 892 1384 and explain exactly what happened
to help us understand what happened as quickly as we can
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