Contractors Insurance

Built for Builders, Backed by Experts

Contractors insurance is a comprehensive policy designed to protect those working in the construction, renovation, or maintenance industries — from sole traders to main contractors managing complex projects. Whether you’re building homes, fitting kitchens, or running commercial refurbishments, the risks are real — and the right insurance keeps your business protected.

What Does Contractors Insurance Cover?

A flexible package tailored to your trade, which may include:

  • Public Liability Insurance – Protects against injury or property damage to the public or clients
  • Employers’ Liability Insurance – Legally required if you employ staff or labourers
  • Contract Works Insurance (Contractors All Risks) – Covers the building works in progress, materials, tools, and site risks
  • Tools & Equipment Insurance – Protection for your tools whether on site, in transit, or stored in your van
  • Plant & Machinery Cover – For owned or hired-in equipment like diggers or scaffolding
  • Professional Indemnity – Covers design advice, surveys, or consultancy
  • Legal Expenses Insurance – For disputes with clients, contracts, or suppliers

Who Is It For?

  • General builders and subcontractors
  • Renovators and property developers
  • Electricians, plumbers, and heating engineers
  • Groundworkers, roofers, plasterers, joiners
  • Commercial contractors and project managers
  • Self-employed tradespeople
  • Companies working on domestic or commercial sites

Optional Add-Ons

  • Personal Accident Cover – In case you’re injured and can’t work
  • JCT Clause 6.5.1 / Non-Negligence Insurance – Often required under building contracts
  • Fleet or Van Insurance – If you run multiple vehicles or a company fleet
  • Product Liability – If you supply or fit materials or equipment

Why Choose Us?

We understand the pressures of the construction industry — tight deadlines, changing contracts, and unexpected risks. That’s why we work with leading insurers who specialise in contractors and trades, offering cover that keeps pace with your projects.

Tailored to your trade
Meets industry standards and client requirements
Quick documents for tenders, councils, and sites

Need fast, flexible cover?

Whether you’re starting out or scaling up, we’ve got the tools to protect your tools.
Contact us now for a competitive contractors insurance quote.