Contractor insurance
Insure your contractor business for liability with zero hassle
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.
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.
24/7 claims service
We’re here for you round the clock
when you need us most.
Fairer prices for all
We only provide cover for good
drivers, so you’ll get a better deal.
Carbon offsetting
We’ll plant trees to clean up
after you. Seriously!
What is contractor insurance?
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.
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.
What are the benefits of a contractor insurance policy?
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’re protected if your work accidentally damages a client’s property or nearby belongings, reducing the financial impact of repairs or replacements.
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.
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:
Level of cover
Key areas typically included are third-party injuries, property damage, legal expenses, and compensation claims.
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.
Get a quote or advice
Please call us on 0345 222 6318 to get more information or to discuss your liability requirements. Alternatively, start the quote process and complete a quote form in a matter of minutes by clicking the button below.