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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.

Compare contractor insurance quotes

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
  • Excellent customer service rating 
    Rated 4.7/5 based on 294 Feefo reviews

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.


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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.



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"This is the 3rd year in a row I have used Premierline. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks due to Covid-19. So it was a huge relief to find a policy I could afford. Soon work will start to pour in and I’m now ready for it."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I'm so pleased to have bought from them. I made a huge saving on my insurance for my small business and they were so helpful and explained everything. A very happy new customer.”

Miss Saunders, Beauty Salon, Altrincham (Customer since February 2019)

"I found the service very helpful. The person I spoke to rang back when he said he would and provided all the information I needed over the phone. It was a simple and seamless process. I rang up to organise my Professional Indemnity insurance and within a couple of phone calls it was all sorted. Brilliant"

Mr Turley, Quantity Surveyor, Londonderry (Customer since June 2019)