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Compare Contractors All Risks insurance

What is Contractors All Risks Insurance?

Contractors All Risks insurance, sometimes referred to as contract works insurance, construction all risk insurance or builders risk insurance provides cover for risks on work that is underway on a building or construction site.  For instance, if work that’s in progress is damaged as a result of a fire, flood, storm, vandalism or theft, then this cover can help to pay to repair or redo that work.

A contractors all risks policy, as the name suggests, typically covers the risks normally associated with a construction project. It’s generally worth considering if you or your business undertakes construction contracts which span over time which means you are on-site for many weeks or months.  When purchasing Contractors All Risks insurance you should consider other insurance covers also such as public liability, employers’ liability, equipment and plant, hired in plant, tools, business interruption, and legal expenses

Do I need Contractors All Risks insurance?

Construction projects can be complicated undertakings, and if problems were to arise before the project is completed, things can become difficult to resolve. Imagine if you were near the completion of a project and the building was to suffer irreparable damage and you had to start over. The cost could be huge. You can help protect against these ever-present threats by purchasing Contractors All Risks insurance to pay for the cost of the work to be redone.

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Contractors All Risks insurance covers

Contractors face all sorts of risks depending on their specific occupation.  In order to protect your financial viability as a tradesman or contractor, you will need insurance that addresses your unique risks.  A contractors all risks policy can cover your contractors insurance requirements which could include; contract works, public liability and employers liability.

Contract works insurance

As you work to complete a project, you cannot forget that you are working under the conditions of a contract. Contract works insurance can cover temporary and permanent works executed according to the terms of the contract. It could also cover materials which have not yet been incorporated into the work prior to the loss, as well as own and hired in plant, equipment and tools. For example, if during a project the building work that you have completed is damaged then this cover could help financially to pay for the repair of the work already completed up to the value of the contract.

Contractor liability insurance

As a contractor or tradesman, you’ll most likely be working at other people’s premises and construction sites. Therefore there is always a risk of injuring a third party or damaging their property whilst at work. You should, therefore, consider public liability insurance to protect yourself against unfortunate events that could lead to claims being brought against you. 

Contractor’s employers’ liability insurance

If you employ staff then in most cases employers’ liability insurance is a mandatory legal requirement. This cover protects you against claims for compensation following an injury sustained by any of your employees whilst at work.

Public liability insurance for contractors

As you know there are many risks associated with working on a construction site and as careful as you may be accidents do happen. Public liability insurance can protect you and your business from claims for compensation from an injured third party or someone whose property has been damaged as a result of your working activities.

Professional indemnity for contractors

Providing advice for a fee in your professional capacity comes with risk. Professional indemnity insurance can cover the legal costs, expenses and damages involved in claims made against you if your client alleges that you have given incorrect advice, provided an inadequate service or been found to be negligent in the designs you may have drawn up.

Contractors All Risks insurance for contractors

The main reason for purchasing contractors all risks insurance is to protect you and your business for the work and contracts you undertake onsite. We understand that every project is different and you’ll need flexible cover in order to protect your liabilities, tools, buildings, plant to name but a few.

Contractors all risks insurance is suitable for a variety of trades within the construction sector.  For instance:

  • Tiling
  • Painting and decorating
  • Fencing and hoarding
  • Glazing contractors
  • Flooring contractors
  • UPVC windows, doors and conservatories

Compare Contractors All Risks insurance quotes

We arrange insurance for many types of contractors and tradesmen.  Simply speak to one of our insurance advisors who are on hand to help you compare quotes and make the right decision for your business today.


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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"I’ve used Premierline for my work insurance for a few years now. 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 when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

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

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