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Insure your contractor business for liability with zero hassle
Contractor insurance is a public liability policy that is tailored to protect contractors from claims made by members of the public who suffer injury or property damage due to their work. It offers peace of mind, ensuring contractors can focus on their projects without worrying about financial risks.
In partnership with some of the leading UK insurers, we’ll not only get you a better contractor insurance deal with the best cover available, we work hard to keep you as a customer year after year.
Whatever you do for business, whether you’re a sole trader or limited business owner, we understand that you need to protect your livelihood.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a contractor.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a contractor liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
What is contractor insurance?
It covers various situations where contractors could be held legally liable for causing harm or damage.
Key areas typically included are third-party injuries, property damage, legal expenses, and compensation claims.
Public liability insurance is crucial to contractors for several reasons:
- Business reputation: Insurance highlights your professionalism and responsibility, helping you earn the trust of clients and establish a reliable reputation in the industry.
- Financial protection: Accidents, such as a client or passerby being injured at your worksite, can result in costly claims. Public liability insurance ensures you’re protected from these financial burdens.
- Legal compliance: While not a legal requirement in the UK, many clients or project managers may insist on contractors having public liability insurance before beginning work.
The benefits of a contractor insurance policy
From the tools you use to the people working on-site, being a contractor comes with risks. Public liability insurance helps protect your business if someone is injured or their property is damaged because of your work.
Public liability cover for contractors:
Personal injury claims
Provides cover if your work injures a client, a passerby, or anyone else, shielding you from compensation claims and financial liability.
Damage to property
Ensures you stay protected if your work accidentally damages a client’s property or belongings, reducing repair or replacement costs.
Legal protection
Covers legal fees to defend against claims, whether or not you are at fault, giving you financial security in the face of disputes.
* Subject to your chosen level of policy cover and the prevailing policy excess.
Power up your insurance with additional cover for contractors
- Employers’ liability insurance: Required by law if you have people working for you. Covers claims from employees who suffer illness or injury due to their work.
- Tools insurance: Covers loss, theft, or damage to your tools. Including hand tools, power tools, and specialist equipment.
- Stock insurance: Protects the supplies you keep in stock for contracted jobs. Covers theft, damage, or loss, on-site, in a vehicle, or at your premises.
- Contract works insurance: Protects contracted work in progress if damaged by events like fire, flood, or vandalism. Covers the labour, tools, and materials needed.
How much does contractor insurance cost?
This depends on the nature and size of your contractor business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Type of cover
The cover level selected influences the premium. Standard policies start at £1 million, with options for £5 million or £10 million for larger projects.
Nature of business
Contractors working in high-risk sectors, such as construction or demolition, often face higher premiums due to the nature of their work.
Location
Your business location can influence costs. Operating in areas with higher claims or crime rates may lead to increased premiums.
Business size and turnover
Higher turnover usually reflects a larger scale of operations, which can raise your premiums as insurers assess your risk exposure.
Number of employees
Having employees or subcontractors can increase costs since more workers often equate to higher risks and the potential for claims.
Claims history
A history of claims may result in higher premiums as insurers view this as an increased risk. A clean record can help lower your costs.
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