Contractors Insurance

The nature of the construction industry often requires more complicated contractual arrangements than other industry sectors. As a commercial contractor, dependent on tools, equipment and vehicles, it’s essential to ensure you are adequately insured, protecting your liabilities against property, third parties, equipment and the conditions of your contract.

We understand the specific risks inherent within this sector, having have many years’ experience arranging insurance for commercial contractors and subcontractors and.

We know that every contractor is different, facing unique risks, depending on the nature of the project and your specialisation. Whatever your line of work, whether engineer, architect, quantity surveyor, civil engineer, ground worker, roofing contractor, heating engineer or otherwise, we can arrange tailored cover, ensuring you are protected against risks on an annual or project specific basis.

This can include such covers as public and product liability, employers’ liability, professional indemnity, contract works, constructional plant and equipment, hired-in plant, non-negligence 6.5.1, business interruption, material damage, goods in transit, goods in the open and legal expenses.

If our standard policy doesn’t adequately cover you, we can arrange enhanced cover through a specialist underwriter, with additional wording if necessary, ensuring you are adequately insured.

Comprehensive Insurance Policies for Contractors

We will assess the value of your stock and the replacement value of plant and machinery. We’ll look at any exclusions or warranties in your insurance policy and make sure you understand them. We will calculate the level of liability you need and explain the terminology in your policy in a straightforward, jargon-free manner.