0333 320 6009
0333 320 6009
Tradesman looking at site plans


Contractors All Risk

We make arranging your all-risk insurance simple and hassle-free

We compare quotes from leading insurers

Compare contractors all risks insurance

When working in an industry such as construction, any contractor will know the smallest mistake can have major consequences, meaning having an all-risk insurance policy that covers the risks that your business faces should be a top priority for any construction professional.

However large or small the job is, safeguarding against the unexpected is essential to protect you, your clients, your employees and your business’ reputation. Finding the right contractors all risk insurance that’s tailored to your unique requirements can sometimes be a challenge and is often time-consuming

Whether you’re a contractor undertaking small projects or a larger construction company with more challenging requirements, we understand that one size does not necessarily fit all. So, we make recommendations based on your individual needs to ensure the all-risk policy we arrange for you is tailored to suit your business. Speak to an expert at Premierline today.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

Contractors all risk insurance cover in detail

What is contactors all risk insurance?

Contractors all risks insurance, sometimes referred to as construction all risks insurance or builders risk insurance is a flexible ‘all risk’ insurance package policy that is designed to provide 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.

Contract works insurance is just one of many covers usually available under a contractors all risks policy. 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.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:
Tradesman working with pipes

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.
Joiner cutting timber

Public 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. 

Employers' liability cover

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.
Tradesman in a van

Optional cover extensions

A contractors all risk insurance policy could be tailored further with optional cover extensions. Common options include non-negligence insurance, which could cover you against claims for unexpected damage to neighbouring property resulting from your ongoing works and business legal expenses insurance which may be useful should you need to seek expert legal counsel.

Examples of trades that may need contractors all risk insurance

The main reason for purchasing contractors all risks insurance is to protect you and your business for the work and contracts you undertake on a construction site. We understand that every project and trade 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:

  • Building and bricklaying
  • Carpentry and joinery
  • Damp proofing and dry rot
  • Electrical contracting and lighting
  • Plastering and artexing
  • Shop-fitting
  • Insulation, draught–proofing & cavity walls
  • Tiling
  • Painting and decorating
  • Fencing and hoarding
  •  
  • Glazing contractors
  • Flooring contractors
  • UPVC windows, doors and conservatories

Contractors all risk insurance FAQs

A contractors all risks policy can cover many of your contractors insurance requirements which could include:

 

  • Contract works insurance
  • Public liability insurance
  • Employers liability insurance
  • Own plant or hired-in plant
  • Tools cover
  • Optional extensions

While contractors all risk insurance provides many covers designed specifically for construction businesses, it does have some limitations. It’s important to understand these limitations and exclusions and consider if additional insurance policies are required to protect your business.

  • Professional indemnity insurance - 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.
  • Directors & officers insurance – An insurance policy that offers personal liability cover for company directors, officers and managers against civil, regulatory, or criminal proceedings against managerial decisions and actions.
  • Cyber insurance - Most businesses rely on some form of IT infrastructure, whether it’s computers, mobiles, tablets or more complex systems and networks. Cyber insurance is a risk management solution designed to support your business should it fall victim to cybercrime.
  • Defective workmanship - If you want to protect yourself and the property owner/buyer against this, you’ll need a structural warranty.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 

Why choose Premierline?

Insurance experts at Premierline

We're Contractor Insurance Experts

We understand the nature of running your business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging insurance for your contracting business simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

  • Award winning service - We're trusted by thousands of SMEs across the UK
  • Comprehensive protection - We can help with all your commercial insurance needs
  • UK based  experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

"Our block of flats insurance policy from another broker had increased too much and they couldn’t get a better price. I found Premierline through an internet search and Dan was there to help straight away. After a few days he had sourced a considerably more competitive and acceptable product with much better terms. I really felt Premierline wanted our business."
Block of Flats Property Owner
Customer since January 2024
4.7/5 stars

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.

Speak to a contractors all risk insurance expert

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.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009