What is contractors insurance?
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.
As a contractor, 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.
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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.
Why choose us?
- Compare insurance quotes
Right cover, right price
- Protect your business online
It's simple and hassle free
- Expert advice in just one call
Insurance tailored to your needs
- Monthly payment options available
Your business, your budget
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Types of contractor insurance we can arrange:
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What insurance covers do contractors need?
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. Read more about what insurance contractors need.
Contractor public liability insurance
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.
Employers' liability insurance for contractors
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.
Contractor tools cover and personal accident cover
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.
As a customer you'll get exclusive access to our Business Toolkit with resources from the experts and our Retail Rewards with discounts on big name brands.
Contractors insurance FAQs
- Do I need to cover subcontractors under employers liability?
- What is tool insurance?
- If I leave my tools on site, are they covered?
- How long is an insurance quote valid for?
- What will happen once I have completed the online quotation form?
- How do I retrieve my quote?
- How do I change my quote?
- How do I pay for my policy?
- What does business insurance cover?
- How soon can you give me cover?
Contractors insurance articles


