Contractors Insurance Quote
Construction firms and contractors can benefit from specialist insurance solutions. Get a quote from us today.
Contractors All Risks Insurance policies are sometimes covered under policies named as: contractors combined, contractors liability, construction all risk insurance or builders risk insurance.
Call us on 0800 954 0778 to speak to one of our specialist advisers, or click below to fill in the short form for a quick quote.
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🟧 Platinum rated Feefo customer service
🟧 Cover tailored to your exact needs
🟧 Award winning customer service
Why Choose Plan Insurance Brokers?
We understand the risks you face as the owner of a Construction business or as a skilled Contractor.
There may be a time when a client loses money following an incident that you or your employees were responsible for. We will work with you to develop a bespoke policy based on your individual needs which will protect you against property damage, third-party injuries or damage claims.
We have extensive experience dealing with construction covers, including contractors all risks, contract works, liability and many more.
Scaffolding Insurance Without Wobbles
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Builders’ Cover, Built Better
Building contractors juggle complex projects and tight schedules. We arrange straightforward, reliable cover.
No Shocks Electrical Contractors Insurance
Electrical contractors face daily risks on-site and on the road. Suitable insurance helps safeguard your team, tools, and business.
Roofing Insurance Pitched Just Right
Roofing work comes with high-risk tasks and tight deadlines. Insurance supports you when things don’t go to plan.
Contstruction & Contractors Insurance Quick Quote
Simply fill in the form below with your details and you’ll receive a call from one our contractors insurance specialists. It’s quick, easy, and hassle-free!
WHO WE COVER
- Air conditioning & refrigeration contractors
- Fencing contractors insurance
- Building contractors
- Kitchen fitters insurance
- Carpenters and joiners insurance
- Drainage contractors insurance
- Cleaning contractors insurance
- Plumbing & heating contractors insurance
- Painters & decorators
- Roofing contractors
- Double glazing contractors
- Scaffolding contractors
- Electrical contracting
- Window cleaners insurance
What’s the difference between Construction or Contractors Insurance cover?
Construction and Contractors insurance covers risks associated with building projects, renovations, or repairs. These policies protect property owners, developers, contractors, subcontractors, and tradespeople from various risks such as property damage, income loss, employee injuries, and liability exposures.
Construction Insurance typically includes:
- Contract Works Insurance: Protects the building during construction from damage.
- Public Liability: Covers third-party injury or property damage claims.
- Employer’s Liability: Legally required if you employ staff.
- Plant & Equipment Insurance: Protects owned or hired machinery.
- Professional Indemnity: Covers design or consultancy errors (if applicable).
- Delay in Start-Up (DSU): Protects against financial losses due to project delays.
This insurance is usually held by developers, project owners, or construction firms managing extensive projects.
Contractors Insurance typically includes:
- Public Liability Insurance: Essential cover for injuries or damages caused during work.
- Tools & Equipment Cover: Protects personal or owned tools.
- Employer’s Liability: Required if employing staff.
- Personal Accident Cover: Income protection if injured at work.
- Professional Indemnity: Necessary if providing design or advisory services.
Contractors Insurance suits sole traders, subcontractors, or small construction-related businesses. It offers tailored and modular coverage focusing on individual or business-specific risks rather than project-wide risks.
Equipment insurance, training and regular inspection services are another important consideration. Many types of equipment can pose significant risks if incorrectly operated or maintained. Risk management in this area can play a vital role in reducing accidents linked to equipment failure as per HSE guidelines.
Answers to your questions:
Get quick answers to common questions about contractors and construction insurance. Click on each topic for detailed explanations and practical advice, designed specifically for builders, contractors, and tradesmen looking for insurance.
Our mantra of Protect, Prevent and Perform simplifies construction and contractors insurance. Quality cover is arranged at competitive prices
CONSTRUCTION & CONTRACTORS INSURANCE FAQ
We understand the risks you face as a Construction and Contractor professional. Below we have compiled some commonly asked questions that explain the key features of Construction & Contractors Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.
CONTRACTORS COMBINED INSURANCE FAQ
Contractors Combined Insurance policies are designed to offer a wide range of covers specifically tailored to your business’s needs. They can include, under one policy wording, multiple sections of insurance cover to safeguard your business against losses that may occur, from damage to third party property or injury to employees.
CONTRACTORS LIABILITY INSURANCE FAQ
Contractors Combined Liability Insurance policies are designed to offer covers specifically tailored to your business’s needs. They can include, under one policy wording, multiple sections of liability insurance cover to safeguard your business against losses that may occur, from damage to third party property, injury to third parties or injury to employees.
CONTRACTORS ALL RISKS INSURANCE FAQ
Contractors All Risks Insurance is sometimes referred to as: contract works insurance, construction all risk insurance or builders risk insurance. These policies provide cover for risks on work that is underway (also known as Work in Progress Cover) on a building or construction site.
Your Insurance Solution
No matter the trade or size of your contractors business, Plan will arrange quality protection at a highly competitive premium. Our expert team keep contractors insurance simple. See their outstanding reviews.
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“Customer service is 10/10 communication is 10/10 plan have been my broker for many years now and cant fault them in any way”
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“Very friendly, helpful and genuine, must be good as I’ve just realised I’ve been with them for 17 trouble free years and its flown by.”
CONSTRUCTION & CONTRACTORS INSURANCE FAQ
We understand the risks you face as a Construction and Contractor professional. Below we have compiled some commonly asked questions that explain the key features of Construction & Contractors Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.
Construction workers and contractors both typically work in high-risk environments each day. Whether you’re working on a construction site, a commercial or residential property, every day comes with its own challenges that can prevent you from doing the best job for your client.
A policy from Plan Insurance Brokers will safeguard you from these challenges and protect your business, allowing you to focus all your energy into perfecting your craft.
Construction and Contractor insurance policies provide protection against multiple risks relating to construction projects. These can include property damage, liability claims, and injury to workers or the public. Common areas of cover are: damage to the project itself, general liability, which handles third-party injury or property damage claims, and employee injuries on the job caused by the employer’s negligence. Other key policies may include professional liability, equipment insurance, and subcontractor default insurance, depending on the project’s needs
Construction and contractor’s insurance policies can be arranged to provide cover for:
It’s vitally important for construction firms to have the right risk management procedures in place. Correct and current document templates as well as suitable guides can help you minimise risk, remain compliant with regulations and prevent avoidable claims. Failure to do so could result in huge potential liabilities as well as the threat of criminal prosecution.
Our service includes the supply of multiple business templates that can be updated annually. They may be used to guide for your operational planning. Regular notifications regarding legislation changes that are relevant to your business are also provided. Read more about our extensive free Construction Site Risk Management Templates as well as the additional, very cost effective solutions offered by our Plan Essentials support package.
At Plan Insurance Brokers, we arrange cover for a wide variety of clients ranging from sole traders, to contractors working in a partnership or as part of a multinational company.
Being self-employed gives you great opportunities to select the clients you work with and the projects you wish to undertake. Whilst organising your new projects, sites and clients, you must also make sure you have the correct insurance in place.
Our expert advisors will help to provide you with tailored cover that safeguards your business against all potential threats, whilst you can focus on running your business.
We understand the risks you face as a Construction and Contractor professional.
There may be a time when a client loses money through a mistake that you or your employees have made. We will work with you to develop a bespoke policy based on your individual needs which will protect you against property damage, third-party injuries or damage claims.
We have extensive experience dealing with construction covers, including contractors all risks, contract works, liability and many more.
You will benefit from:
- Exclusive access to Health and Safety documents, Risk and Method Assessments, Business Continuity templates and more – for no extra cost to your policy.
- Competitive premiums from leading insurers.
- Expert advice based on over 30 years’ experience.
- Award-winning, Feefo Platinum Standard rated customer service.
If you have any more questions regarding Construction and Contractors insurance or would like a quote, please call our expert team who will be very happy to assist.
Contact Plan Insurance Brokers now to speak to our dedicated advisors on 0800 954 0778, complete an online quote form request a call back.
Having a comprehensive motor fleet policy for your business makes your job easier by reducing driver’s restrictions and allowing you to regularly add or remove vehicles from your policy. A fleet can be just three cars to thousands of vehicles. With our fleet insurance, these can be covered under one easy to manage single policy and can be used for a variety of uses within the business.
- Fleets from 3+ vehicles
- New ventures and minimal no claims bonus can be catered for
- UK and European usage*
- Low policy excesses
- Any driver policies
- 24/7 Tools and Equipment cover available
- Access to over 30 motor fleet insurers
*Please note that as of 1st January 2021, a green card is needed if you are travelling to Europe. Get in touch to find out more or read our blog on the subject.
The following areas of risk should also be considered when arranging your insurance:
Our informed advice and independent claims guidance, based on over 30 years of industry experience, all comes as part of the service. Our motor claims help line will also proactively report incidents to your insurer on your company’s behalf and arrange courtesy vehicles whenever possible.
That should all go without saying. Though, we do also offer the following innovative claims solutions:
Loss Adjuster Assistance Insurance – Should you need to make a claim on your commercial insurance with a value in excess of £5,000 having unlimited advice from a professional loss adjuster could prove a fantastically helpful resource to draw upon. We offer an insurance policy that will provide a personal loss adjuster who can prepare and present your claim to your insurers. They’ll also be able to negotiate with them, organise interim payments from your insurers where necessary, attend insurer meetings and handle all correspondence. Read more about the incredibly useful support that a Loss Adjuster Assistance Insurance policy can offer for comparatively low premium.
HSE Assistance Inspection Assistance – An unannounced inspection or an investigation by HSE following an accident could have a serious impact on your business. We offer an insurance service that provides businesses regulated by the HSE with reassurance of knowing that should they need it, they’ll have 24/7, 365 days a year access to assistance to minimise any downtime and distraction. Your business will have cover to help meet the costs of a Health and Safety Executive intervention. Your team will also receive guidance from a Health and Safety expert to help you handle the Health and Safety Executive inspection process, review relevant documentation and to draft a response. If the HSE wish to conduct an interview under caution’ cover for legal fees to represent you are an added benefit. Read more about this low cost HSE Assistance Inspection Assistance solution that could prove highly valuable.
CONTRACTORS COMBINED INSURANCE FAQ
Commercial combined insurance is typically a package of insurance covers that will include protection for risks such as: buildings, contents, stock, plant & machinery, together with your Public liability, Products Liability and Employers Liability. Commercial Combined Insurance policies are normally arranged for businesses that trade from a business premises. Contractors Combined Insurances, whilst the covers can be almost identical, are for contracting business whereby the majority of their turnover and income is generated from work away from their premises at third party sites.
Contractor insurance should protect against the risks that exist whilst running your business. These include:
Public liability from third-party claims for injury or property damage as a result of your business activities.
Employers’ liability from workplace accidents and illness, and contract works to protect ongoing projects and materials.
Hand tools, plant, machinery and other equipment can also be insured should it be lost, stolen, or damaged. This can also include hired-in equipment.
Contract works insurance for the project you are working on, will insure materials and temporary structures, against damage from events like fire, flood, or theft.
Non-negligence cover also known as party wall insurance should provide cover against claims from any neighbours whose property has been damaged by your construction work. The policy steps in when the contractor is found not to have been negligent. Policies are typically arranged in joint names, organised by the contractor but for the benefit of the property owner (or employer).
Professional indemnity and legal expenses are additional areas that may be of need to some firms. Your clients may claim that they have incurred a financial detriment as a result of a professional mistake, piece of bad advice, or failure to meet expected standards on your behalf.
Non-negligence cover
Having the right risk management procedures in place is vitally important for contractor firms. Correct, up to date document templates and guides can help you minimise risk and remain compliant with regulations. Failure to do so could result in huge potential liabilities as well as the threat of criminal prosecution.
As part of our goal to prevent claims we offer our construction and contractors clients personalised Health and Safety documents, Risk Assessments, Method Statements and much more. These additional documents are supplied to your business at no extra cost when you take out a policy with Plan. Read more about our construction site and contractors risk management services here.
Being a contractor can carry a significant financial risk and contracting carries certain obligations and legal responsibilities. Clients can claim against you for mistakes you make that cost them financially. Whilst this is rare, claims against contractors are made and can be very expensive.
Insurance is a very important element of your business that every contractor needs to fully understand. Working as a construction contractor comes with risks, obligations and legal responsibilities. Taking out Contractors Combined Insurances via Plan Insurance Brokers will provide confidence that your cover has been arranged by experts.
We will provide specialist cover that protects you and your business, as well as your clients and employees. Not only do we source competitive premiums for bespoke cover from high quality insurers, we also supply a range of other benefits.
Our Feefo customer service rating is Platinum. So you can have confidence in your ability to quickly reach us in order to receive an answer when you need to.
Our library of risk managements tools are supplied free of charge. Additionally, we can support your business in a time of need with a range of potentially vital claims services.
Plan also offer insurances for:
Motor Fleet
Contractors All Risk
Goods in Transit
Professional Indemnity
Non-Negligence Cover
Tools
Plant
Excess Layer Liability
Property Insurances
Directors & Officers
Cyber Liability
Specialist Schemes and Tailored Packages
You would need to request contract works cover (also known as contractors all risk) as it will not be included on your contractors combined insurance as standard. Speak to one of construction insurance specialists and we will be more than happy to discuss your requirements and options. Read more regarding contract works insurance in our simple explainer.
Our informed advice and independent claims guidance, based on over 30 years of industry experience, all comes as part of the service. Our motor claims help line will also proactively report incidents to your insurer on your company’s behalf and arrange courtesy vehicles whenever possible.
That should all go without saying. Though, we do also offer the following innovative claims solutions:
Loss Adjuster Assistance Insurance – Should you need to make a claim on your commercial insurance with a value in excess of £5,000 having unlimited advice from a professional loss adjuster could prove a fantastically helpful resource to draw upon. We offer an insurance policy that will provide a personal loss adjuster who can prepare and present your claim to your insurers. They’ll also be able to negotiate with them, organise interim payments from your insurers where necessary, attend insurer meetings and handle all correspondence. Read more about the incredibly useful support that a Loss Adjuster Assistance Insurance policy can offer for comparatively low premium.
HSE Assistance Inspection Assistance – An unannounced inspection or an investigation by HSE following an accident could have a serious impact on your business. We offer an insurance service that provides businesses regulated by the HSE with reassurance of knowing that should they need it, they’ll have 24/7, 365 days a year access to assistance to minimise any downtime and distraction. Your business will have cover to help meet the costs of a Health and Safety Executive intervention. Your team will also receive guidance from a Health and Safety expert to help you handle the Health and Safety Executive inspection process, review relevant documentation and to draft a response. If the HSE wish to conduct an interview under caution’ cover for legal fees to represent you are an added benefit. Read more about this low cost HSE Assistance Inspection Assistance solution that could prove highly valuable.
CONTRACTORS LIABILITY INSURANCE FAQ
Construction workers and contractors both typically work in high-risk environments each day. Whether you’re working on a construction site or a commercial property, every day comes with its own challenges that can prevent you from doing the best job for your client.
A contractors liability insurance policy from Plan Insurance Brokers will safeguard you from these challenges and protect your business, allowing you to focus all your energy into delivering for your customers.
It may be more cost effective or provide more flexibility in terms of the available cover limits to arrange elements of your contractors liability insurance cover separately to your contractors combined insurance. You could opt to take out an excess layer liability policy to increase protection in regards to your liability cover limits provided by your contractors combined product.
The standard liability cover included within a contractors combined insurance policy would include Public liability, Products liability and Employers liability insurances. If you are working on an extension or renovation and cause any damage to the existing structure then your Public liability section should cover these losses should a claim be made against you. If however you or an employee cause any damage to the part you are working on (Work in Progress) then liability for this would be covered under a Contract Works or Contractors All Risks insurance policy.
Having the right risk management procedures in place is vitally important for construction firms. Correct, up to date document templates and guides can help you minimise risk and remain compliant with regulations. Failure to do so could result in huge potential liabilities as well as the threat of criminal prosecution.
As part of our goal to prevent claims we offer our construction and contractors clients personalised Health and Safety documents, Risk Assessments, Method Statements and much more. These additional documents are supplied to your business at no extra cost when you take out a policy with Plan. Read more about our construction site and contractors risk management services here.
Our new package now includes business continuity templates that are updated annually which you can use as guidance and to track your business operations. With this, you will also receive regular notifications regarding legislation changes that are relevant to your business. Read more about our extensive free Construction Site Risk Management Templates as well as the additional, very cost effective solutions offered by our Plan Essentials support package.
At Plan, we let you focus on your day-to-day, knowing that your specialist policy will protect your business against the risks you face.
Let us know the needs of your business and we will provide a bespoke quotation at a competitive premium from our panel of industry leading insurers.
We also offer a range of risk management services to help you business avoid preventable incidents. This is further supported by platinum standard customer service and expert claims assistance.
Plan also offer insurances for:
Motor Fleet
Contractors All Risk
Goods in Transit
Professional Indemnity
Tools
Plant
Excess Layer Liability
Property Insurances
Directors & Officers
Cyber Liability
Specialist Schemes and Tailored Packages
We have experience of providing contractors liability insurance to businesses of all shapes and sizes. We know that despite your best efforts mistakes can happen – especially when you’re working to meet deadlines. As an independent contractor, it’s important to have the right contractors’ liability insurance covers.
Benefits of contractors liability include:
- Contractors liability insurance can give contractors peace of mind, and ensure that you present a professional and trustworthy image in front of your clients.
- Working in challenging environments from a health and safety perspective, means there is a risk as a contractor that you could be involved in accidents which could cause injury to a client or colleague, or damage to their property.
- Public liability insurance for contractors can protect contractors against the cost of settling or defending a client’s claim if there is a problem with the work you have completed for them, or against injury and damage.
- Contractor’s public liability insurance will cover the costs associated with a claim being filed against you for bodily injury or property damage as result of your work.
- For any contractors with employees, it’s a legal requirement to hold employers’ liability insurance. This kind of policy covers claims made by employees or ex-employees, for injury or illness caused by their work. Having employers liability in place will satisfy your legal responsibility as an employer.
CONTRACTORS ALL RISKS INSURANCE FAQ
Contractors All Risks insurance (sometimes referred to as contract works insurance), construction all risk insurance or builders risk insurance, provides cover for risks on work that is underway (Work in Progress Cover) on a building or construction site. For instance, if work that’s in progress is damaged as a result of a fire, flood, storm, vandalism or theft, then this cover can help to pay to repair or redo that work. These policies can also cover your tools and plant needed for the job that are left on site.
A contractors all risks policy, as the name suggests, typically covers the risks normally associated with a construction project. It’s generally worth considering if you or your business undertakes construction contracts that require you are on-site for many weeks or months.
Defective workmanship can often be excluded from your policy; you would need to check with your broker to make sure you are covered for this risk under your policy or if you would need to add this on as an extra.
Amongst other protections, as a contractor you should obtain public liability insurance, employers’ liability insurance (if you have employees), and professional indemnity insurance (if you provide advice). Other important insurances include contract works insurance for projects and insurance for commercial vehicles.
A contractor’s insurance typically covers property damage, such as to materials and tools, and liability for bodily injury or property damage to third parties. It often includes a combination of policies like public liability, employers’ liability, and contract works insurance, protecting the project, equipment, and any employees. Additional coverages can include professional indemnity for negligent advice or design, business interruption, and legal expenses.
Construction projects can be complicated undertakings, and if problems were to arise before the project is completed, things can become difficult to resolve. Imagine if you were near the completion of a project and the building was to suffer irreparable damage and you had to start over. The cost could be huge. You can help protect against these ever-present threats by purchasing Contractors All Risks insurance to pay for the cost of the work to be redone.
Contractors all risk insurance is an important policy to have in place if you are a tradesmen or contractor. This type of insurance offers one of the most comprehensive methods for protecting building works and the tools, plant and equipment on a construction site. Contractors typically work on a wide range of different construction sites. With the sheer variety of different work places comes an equally diverse range of different risks and perils. Although these construction sites will vary from site to site, there is one common threat likely to be shared by them all: the risk of theft, loss or damage to the tools, equipment and materials you own and use.
Contractors all risk insurance (CAR) is designed to provide you with the protection you need for the tools of your trade, the plant and equipment you may be using on site, as well as the materials required to get the job done. Contractors all risk insurance is designed to protect you against such risks fire, floods, storms, malicious damage, vandalism and theft.
The “contract works” section will form the main element of a contractors all risks insurance. The contract works section is designed to protect contractors on-site work before it’s handed over to the client. It can pay for repairs or even a full redo if disaster strikes. Theft of equipment from the location can also potentially be covered including any that are hired if required. It’s incredibly handy if your contract with the client makes you responsible for the unfinished work, which many do.
However, where there is an existing property (e.g. the existing structure when building an extension or renovating), cover for the existing property is excluded and must continue to be insured under its own insurance cover by the property owner.
Contractors all risks insurance policies principally cover the contract works (Work in Progress) for ‘all-risks’ (Fire, Flood, Theft etc.), and they can also include additional covers for your own plant, hired-in plant, tools and materials. Contractors All Risks Insurance policies (which are also sometimes referred to within the industry as Contract Works Insurance) are specially designed for the construction & contractors business sector. Sometimes referred to as “Work in Progress Cover” they can cover various trades when working at a contract site.
If you don’t take out a Contractors All Risk (CAR) policy, you could face serious financial consequences like having to pay for costly repairs or replacements for damaged work, tools, or materials yourself, and potentially being unable to afford compensation if you lose a legal case. You could also be in breach of contract, unable to win new business, and your business may become insolvent if it can’t cover debts or damages.
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