About Contractors All-Risk Insurance


All-in-one contractors cover

Covers contract works, hired-in plant, own plant, and tools under one policy


Public liability for contractors

Popular limits of £1m, £2m, £5m and £10 million public liability cover. Can be extended for high-risk contract works and locations


Contractors' liability insurance

Liability cover to suit you, as part of a package or separately

Direct Debit

Pay for Contractors All-Risk Insurance by Direct Debit

You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit

Features of Contractors All-Risk Insurance

Standard cover

Tailored contractors all-risk cover

Our contractors all risk insurance can be tailored to your needs. As standard, it covers contract works, hired in plant, own plant and tools. It can be extended to cover contracting in hazardous or high-risk areas.

Contract works insurance

Contract works cover is included as standard in our Contractors All-Risk insurance. It provides protection against damage to works in progress from threats including fire, flood, storm, malicious damage, and theft.

Contractors insurance 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 required.

Contractors public and employers' liability cover

Public liability cover for contractors with a choice of limits up to £10 million as standard, as well as employers' liability insurance. We can offer higher limits if you require it for specialist contract works. If professional indemnity insurance is required for your contract, we can also offer this under a separate policy.

Contractors All-Risk 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 for Public liability. This covers legal defence costs and compensation awards arising from accidental bodily injuries and property damage caused to others during your work.


Does Contractors All Risk Insurance cover temporary and permanent projects?


Yes, Contractors All Risk will insure both permanent and temporary construction projects and as well as all materials you’re using on the project and Plant and Contractors Combined will cover you for both above, plus Liability insurance.


Do I need employer’s liability insurance?


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


Are legal expenses covered in your all risk contractors insurance?


Yes, legal defence costs for liability claims are included as a standard option in our contractors’ cover. Plus, 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 I pay for my all risks 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