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Contractors Insurance

Contracting trades need a range of different insurances depending on the work carried out, the size of company, and even who owns the plant and tools being used. Your individual account handler can help arrange cover for a wide range of firms depending on their own particular requirements.

Contractors need a range of different insurances depending on the work carried out, the size of company, and even who owns the plant and tools being used. Our individual account handlers can help arrange cover for a wide range of firms.

If you work in construction, it’s likely you’ll need a wide range of different insurances from Public and Employers’ Liability insurance through to insuring the works themselves and any of your own or hired-in plant and tools – on site and/or in storage.

Public Liability insurance covers the cost of any claims members of the public may make against you for loss and damages – from personal injury to damage to property.

Employers’ liability insurance covers the cost of claims made by the people you employ or are deemed to employ by the Health & Safety Executive. This is a legal requirement for your company.

What benefit do you get?

By discussing all your insurance needs with us, we can help find the most cost effective single policy or combination of policies for your company.

  • Employers’ Liability insurance is a legal requirement and can be created by supervision even if you would not assume the person was an employee of yours.
  • You can insure against loss or damage to the works and any tools and plant you own, you hire, or that your employees bring on site.
  • We can help find more specialist cover you may be asked for, including 21.2.1 JCT non-negligence cover, latent defects, performance bonds and excess of loss cover.
  • We can help you find and cost the types of insurance which may be required before you’re able to tender for a contract or which may give you the edge over your competitors.

How can we help?

If you have 10 or fewer employees, we can arrange a packaged product based on the number of employees which can work out more competitive. If you have more employees or specific needs which require a full bespoke policy, then please contact us so that an individual account handler can arrange quotations based on either the cost per person, or turnover and wages, whichever is the most cost effective.

If you have any specific questions about contractors’ insurance please contact us