Many small contractors and subcontractors are under-insured or incorrectly insured. This checklist helps you identify the essential covers commonly required for construction work, client contracts and legal compliance in the UK.
Essential covers most contractors should review.
What insurance is legally required for contractors?
Do subcontractors need their own insurance?
Is Contractors All Risk insurance always required?
Can insurance requirements vary by contract?
How often should contractors review their insurance?
In today's digital economy, server rooms and data centers form the backbone of business operations. From small on-premise server closets to large-scale data centers, these facilities house critical…
In today's digital-first business environment, computer equipment forms the backbone of virtually every commercial operation. From desktop workstations and laptops to servers, networking equipme…
Boilers and pressure vessels are essential components in countless industrial and commercial operations across the UK. From manufacturing plants and hospitals to hotels and food processing faci…
Relocating machinery and equipment represents one of the most challenging and high-risk operations any business can undertake. Whether you're moving to larger premises, consolidating operatio…
Moving heavy machinery is one of the most complex and high-risk operations any business can undertake. Whether you're relocating manufacturing equipment, construction machinery, or specialized industria…
The transportation of machinery represents one of the most vulnerable periods in the lifecycle of industrial equipment. Whether you're moving construction equipment, manufacturing machinery, agricultural v…
The transportation and installation of heavy machinery represents one of the most critical and risk-intensive operations in industrial and construction sectors. Whether moving manufacturing e…
The crane lifting industry operates in one of the most high-risk environments in commercial operations. Whether you're transporting heavy machinery across construction sites, moving industri…
Relocating a factory is one of the most complex and high-risk operations a manufacturing business can undertake. Whether you're expanding to a larger facility, consolidating operations, or moving…
When businesses invest in new machinery, the focus typically centers on the equipment's capabilities, productivity gains, and return on investment. However, one critical risk period often receives in…
The transportation of heavy plant machinery represents one of the most challenging and high-risk operations in the construction and industrial sectors. Whether moving excavators, bulldozers, crane…
When businesses invest in commercial insurance to protect their valuable machinery and equipment, they often assume comprehensive coverage. However, machinery breakdown insurance and commercial property po…
Machinery represents one of the most significant investments for businesses across manufacturing, construction, agriculture, and countless other industries. When equipment fails or sustains damage, the f…
Manufacturing operations depend heavily on specialized equipment to maintain production schedules, meet customer demands, and generate revenue. When critical machinery breaks down unexpectedly, t…
The textile manufacturing industry relies on sophisticated, expensive machinery to transform raw materials into finished fabrics. From traditional looms to high-speed spinning equipment, these machines r…
The food processing industry relies heavily on specialized machinery to maintain production schedules, meet quality standards, and satisfy consumer demand. From industrial mixers and slicers to …
Electrical faults and short circuits represent some of the most significant threats to business machinery and equipment. For UK businesses relying on electrical systems and machinery, understan…
When your business relies on machinery and equipment to operate, an unexpected breakdown can bring production to a grinding halt. Machinery breakdown insurance provides essential protection agai…
Production line equipment forms the backbone of modern manufacturing operations, with conveyor syste…
Cold storage facilities are critical infrastructure for food distribution, pharmaceuticals, chemicals, and perishable goods across the UK. These specialized warehouses maintain precise temper…
Stock deterioration is a common challenge for businesses across retail, hospitality, food service, and manufacturing sectors. Whether caused by temperature fluctuations, humidity changes, pest damage, …
Temperature monitoring systems are critical infrastructure for countless businesses across the UK. From pharmaceutical storage to food service operations, cold chain logistics to laboratory environmen…
Frozen food warehouses operate in a high-risk environment where temperature control is absolutely critical. A single equipment failure or system malfunction can result in thousands of pounds wor…
Manufacturing facilities rely on sophisticated, expensive machinery to maintain…
Cold storage facilities are the backbone of the food, pharmaceutical, and healthcare industries. Whether you're storing perishable goods, vaccines, or temperature-sensitive medications, a power f…
Published: November 2025 | Reading time: 12 minutes
For food businesses—whether you operate a restaurant, café, catering company, or specialty food retailer—your perishable inve…
For businesses relying on refrigeration systems—from restaurants and takeaways to supermarkets, care homes, and pharmaceutical facilities—a power failure or equipment breakdown can…
The global vaccine distribution network relies on an intricate cold chain infrastructure that maintains precise temperature control from manufacturing facilities to patient administrati…
Temperature-sensitive pharmaceuticals represent one of the most critical assets in the healthcare supply chain. A single temperature excursion can render millions of pounds worth of medi…
Published: 2025 | Updated: November 2025 | Category: Business Insurance
In today's digital-first business environment, computers and IT infrastructure a…
Published: 2025 Construction Insurance
Scaffolding is essential to modern construction, renovation, and maintenance projects across the UK. From residential building work to large-scale co…
Generators and compressors represent significant investments for businesses across construction, events, manufacturing, and numerous other industrie…
When critical plant and equipment suffer damage, the financial impact can be devastating for your business. Whether it's a sudden mechanical failure, weather-related damage, or an accident on s…
Cold storage facilities are critical infrastructure for businesses handling perishable goods, from food manufacturers and distributors to pharmaceutical companies and hospitality venues. However, t…
Plant breakdown insurance is a critical protection for businesses that rely on machinery and equipment to operate. Whether you run a manufacturing facility, construction company, or any operation de…
Crane hire businesses operate in one of the most high-risk sectors within the construction and industrial industries. Whether you're providing mobile cranes, tower cranes, crawler cranes, or specialis…
Diggers and earthmoving equipment represent significant investments for construction companies, plant hire businesses, and contractors. Protecting these valuable assets with comprehensive insura…
Excavators are among the most valuable assets in any construction or plant hire business. These powerful machines represent significant capital investment, and protecting them against damage, th…
Construction sites are prime targets for thieves. Valuable equipment, tools, and machinery left on-site overnight or during weekends represent significant financial risk for construction business…
Construction businesses rely heavily on equipment and machinery to operate efficiently and profitably. Whether you own your plant outright or hire equipment on a project-by-project basis, protecti…
Running a plant hire business comes with significant financial responsibility. Whether you're renting out excavators, telehandlers, compressors, or scaffolding, your equipment represents a substantial …
Transporting heavy machinery and valuable equipment is one of the most critical operations for manufacturing, construction, and industrial businesses. Whether you're moving production…
Essential protection for your business equipment and operations
Machinery is the backbone of countless businesses across the UK. From manufacturing pla…
For businesses that rely on perishable goods—from food retailers and restaurants to pharmaceutical suppliers and florists—the risk of stock deterioration represents a significant finan…
Contractors plant insurance is a specialist form of cover designed to protect construction businesses from the financial impact of damage, theft, or breakdown of their essentia…
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