Contractors insurance

Q: Do contractors need professional indemnity insurance?

Professional indemnity insurance can cover you in the event that your advice, instructions, designs or other professional services are directly responsible for causing someone a financial loss. If you think you may need this type of cover, get in touch with us.

Q: Can I protect my tools?

Yes. This means that if your tools are damaged or stolen, you’ll receive the finances and support to replace what has been lost. If you think you may need this type of cover, get in touch with us.

Q: Do demolition contractors need public liability insurance?

Any business which involves contact with customers – whether people visit you, or you visit them – should consider public liability cover. If you or your business injures someone or causes damage or destruction to their property, then public liability insurance can cover the costs of a claim against you. Find out more about public liability insurance here.

Q: How much can business insurance for demolition contractors cost?

The price of business insurance for demolition contractors is entirely dependent on the type of work that your company carrier out, the scale of this work, and its locations. In addition to this, subcontractors, employees and the public can all fall under your responsibility and could be taken into account when choosing your cover. Clear Business can help find policy options for your business. As business insurance specialists, we know how important it is to understand your unique requirements. Get in touch with us to discuss your options.

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*10% of customers paid the equivalent of £4.74 a month or less between
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What is contractors insurance?

As a contractor, your work comes with various risks, from potential property damage to client claims of negligence. Having the right contractors insurance in place could be essential for protecting your business against financial losses and legal expenses.

Contractors insurance is designed to protect businesses that undertake contract work from potential risks, including damage, liability claims, and legal expenses. Whether you’re a sole trader or run a limited company, insurance for contractors could be key to safeguarding your livelihood. It covers a variety of risks such as accidentally damaged property, equipment breakdown, or claims from members of the public. With contract works cover formerly known as contractors all risks insurance, you can be protected against many potential issues that could disrupt your business.

We’ve partnered with Simply Business, one of the UK’s biggest business insurance brokers. They can help protect your business with tailored online quotes from leading providers, including Axa, Churchill and Hiscox.

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What cover can business insurance for contractors include ?

Contractors business insurance offers a range of cover options tailored to the specific needs of contractors:

Professional indemnity insurance

This can protect you for loss or damage to clients or third parties resulting from negligent services or poor advice.

Equipment & tools cover

Cover for your essential business equipment and tools, whether they're at home, in the van or on-site.

Contract works insurance

Protection against the loss of, or damage to, a construction project or site. You’ll be covered for the labour and material costs to re-do the work.

Public liability insurance

This protects you if your customers (or members of the public) suffer personal injury or property damage from your business.

Employers' liability insurance

This is a legal requirement for many businesses. Policies are available at £10m and can cover claims for work-related injuries or illnesses.

Own or hired in plant insurance

This can protect you financially against the costs of damage to or loss of plant machinery that you own or hired.

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business owner standing in server room and smiling after purchasing professional indemnity insurance

Types of contractors who need insurance?

Contractors in a wide range of industries could benefit from business insurance, including:

Construction contractors
Electricians
Plumbers
Carpenters
Freelance designers and consultants
Plus many more...

Whatever your field, having the right types of cover ensures that your business is protected from the risks specific to your work.

Contractors insurance FAQ's

If you have a question about your contractors insurance, you might find the answer here in our FAQs.

Do contractors need professional indemnity insurance?

Can I protect my tools?

Do demolition contractors need public liability insurance?

How much can business insurance for demolition contractors cost?

For more information on protecting your business, check out our FAQ's Hub

More information on your policy options

Why contractors need business insurance

Contractors face many risks, including accidents, property damage, and legal claims. Without business insurance for contractors, you may face financial losses. Liability insurance covers third-party claims, while contract works insurance protects against other potential risks.

Protecting your tools

Your tools are essential to your trade, and losing or damaging them can significantly impact your ability to work. Tools insurance may cover your equipment against theft, loss, or accidental damage, allowing you to replace or repair tools quickly without major financial strain.

Personal Accident Cover

Construction sites can be hazardous, and accidents are always possible. Personal accident cover may provide financial assistance if you are injured and unable to work. Additionally, accidental death coverage could offer financial support to your loved ones in the unfortunate event of a fatal accident on the job.

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Safeguard your business from financial risks including professional negligence claims, equipment and tools damage or theft, public liability, plant insurance and much more.

Select your cover options
Compare from leading insurers
Buy online in minutes

What is contractors insurance?

Contractors insurance is designed to protect businesses that undertake contract work from potential risks, including damage, liability claims, and legal expenses. Whether you’re a sole trader or run a limited company, insurance for contractors could be key to safeguarding your livelihood. It covers a variety of risks such as accidentally damaged property, equipment breakdown, or claims from members of the public. With contract works cover formerly contractors all risks insurance, you can be protected against many potential issues that could disrupt your business.