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Contractor insurance overview

Every contractor has their own area of expertise and must protect themselves against accidental injury to clients or employees, or damage to property that could leave the business financially exposed.

Whether you are seeking cleaners insurance, tradesman insurance, electrician insurance or builders insurance, you will need to safeguard your livelihood against unforeseen events. You may be working alone, or in partnership, or employ a team to support you and your business. Whatever your needs, we can help you source the insurance that is right for your business.

Typically your contractor insurance would include a minimum of public liability cover, and can be further tailored to suit your business needs with additional employers' liability insurance, commercial legal protection, tools cover and even personal accident cover. If you are just starting up, then you can build your policy over time to reflect the needs of your business.

Contractor public liability insurance covers your duty to clients and members of the public for accidental injury or damage to their property. Cleaning business insurance for example, would cover you under the public liability section of the policy if you accidentally knocked a customer’s vase and it smashed on the floor.

If you have staff, then you have a legal obligation to protect them against injuries whilst they are at work. That's why employers' liability insurance can be added to your contractors insurance to protect you should you have to pay compensation for an injury to an employee caused by your business activities.

Tools cover can be built into your contractor insurance, to include hand held tools or power tools, or if you are using heavier machinery, you can add contract works cover to protect hired in plant, own plant and tools and temporary buildings. Personal accident cover can also be included to protect you as a business owner against accidents at work.

We understand the risks associated with working on site or at other people’s premises, whether they are commercial or private clients, and so we can help you tailor your contractor insurance to your business needs, we pride ourselves on exceptional service standards and will support you for the duration of your policy.

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"Very impressed with their efficient approach and the care and attention they pay to customers. I would recommend them and look forward to using them again. They were that impressive they got the business from our normal broker who we have used for 30+ years!"

Mr Appleby, Property Owner, Lancashire (Customer since November 2018)

"They were able to provide a bespoke package so that I only got cover for what I needed as opposed to all the unnecessary parts of a standard package policy. The staff were very polite and willing to listen to my needs.”

Mr Livesey, Newsagents, Kendal (Customer since August 2017)

"It was really easy to buy my insurance from them and the online quotation process was quick and simple. They responded to my queries via the phone and web chat in a timely manner plus I got my certificate and other documents in the post really quickly"

Mrs Chung, Takeaway Food Retailer, Walsall (Customer since December 2018)