Contractors Insurance

Liability cover for contractors, whether structured as sole trader, limited company or partnership. Our cover extends to tradesmen, freelancers, consultants, professionals and more across all industry sectors. We can tailor the insurance to create a bespoke policy to meet your specific contracting needs.

0344 892 1664

Mon - Thu 8.30am-5.30pm, Fri 8.30am-5pm

Email us for a call back

About Contractors Insurance


Popular liability limits of £1m, £2m, £5m and £10m for contractors

Standard cover from £1 million to £10million with option to extend to higher limits available.


Flexible limits for height and depth work

Variable height and depth limits based on your contracting business requirements


Expert contractors claims service

Dedicated claim handlers to give you peace of mind

Direct Debit

Pay for your contractors insurance by Direct Debit

You can choose to split your payments into 10 monthly instalments

Features of Contractors Insurance

Standard cover

Contractors liability and plant insurance

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 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.

Contractors public liability insurance available up to £10 million

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.

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 FAQs


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


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.


Do I need employer's liability insurance?


If you engage additional labour, staff and others on contract work, you will need employer’s liability insurance.


Are legal expenses covered in your contractors 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.


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, also work at height, depth or involving application of heat.


Can you offer professional indemnity insurance for contractors?


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.


Are labour-only subcontractors covered in the same way as direct PAYE staff under employers' liability?


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.


Can I pay for my contractors insurance 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.


Where can I find more information about monthly Direct Debit?


If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

How do I make a claim?

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

Relaxed Person Making Claim