What is contractors insurance?
Contractors insurance provides protection for your business if customers, members of the public or an employee sustains an injury, or damage to their property as a result of your business and seeks to claim compensation.
Great value contractors insurance from our panel of leading specialist insurers lets you tailor your cover to the needs of your business, so you know that you’re protected if the unexpected happens.
What does contractors insurance cover?
Where options are selected, contractors insurance can provide cover for:
- Compensation claims should a third party sustain an injury.
- The cost of repairing or replacing property and possessions that have been damaged as a result of your work.
- Compensation claims that have been made by an employee as a result of illness or injury due to their work.
- Legal costs and expenses should you be required to defend yourself in court.
Who needs contractors insurance?
If you work with others, or operate from third party property you may need to take out contractors insurance. If you employ one or more people then employers’ liability cover is a legal requirement, and can be added to your contractors insurance policy.
Contractors insurance is important for anyone who’s working as a contractor, such as:
- Construction workers
- Gas fitter
- Painters and decorators
Protection for your business
Tailor your insurance policy to suit your business needs.
Public liability insurance
Protection for your business if a customer injures themselves or their property is damaged as a result of your business.Read more
Employers’ liability insurance
Protection for your business if an employee seeks to claim compensation due to an illness or injury in the workplace.Read more
Business equipment insurance
If your business relies on any special equipment, business equipment insurance can protect it from damage, theft and loss.
Insurance built for your business
For a policy that’s tailored to your business, choose the cover you need from our panel of insurers.
Cover to meet the specific needs of your business and provide protection for your office or surgery.
Management consultants insurance is tailored to suit the specific needs of your consultancy business.
Whether you're a developer, a programmer, or a web designer, IT industry insurance has got you covered.
Insurance cover to meet the needs of people working in the education sector, from teachers and tutors to trainers.
Shop insurance protects all types of retail businesses, from department stores to newsagents.
Cover that protects your food or drink based business whether it's a pub, a restaurant or a takeaway.
With over 25 years' experience providing insurance for businesses, our specialist UK based business insurance team can shape the right solution for you.
Products and services
We work closely with leading business insurers including Hiscox, Zurich, NIG and Allianz to provide you with flexible insurance options that are tailored to suit your business needs.