My Account
We compare quotes from leading insurers
INSURANCE FOR CONSTRUCTION CONTRACTORS
Specialist Cover for the Construction Industry
Construction contractors face high-risk environments, strict safety requirements and demanding client expectations. Our insurance policies protect you against liability claims, on-site risks, accidents, damage, theft, and legal requirements under UK law.
What Construction Contractor Insurance Covers
- Public Liability for accidental damage or injury on-site
- Employers’ Liability for contractors and subcontractors
- Contract Works cover for building and installation projects
- Tools and equipment insurance for theft or accidental damage
- Professional Indemnity for design or advisory work (if applicable)
- Contractual cover required by principal contractors and developers
FREQUENTLY ASKED QUESTIONS
+-
Do construction contractors need Public Liability insurance?
+-
Is Employers’ Liability required?
+-
Do I need Tools & Equipment insurance?
Related Covers
Explore related cover for site-based contracting, engineering roles, liability requirements, and the policy wording often needed for construction work.
Site & Trade Roles
Core Cover
Contractor insurance review points
Contractor insurance should line up with the contract wording, the work being performed, the legal entity, site rules, professional duties and the certificates clients expect before work starts.
For construction enquiries, the strongest quote presentation usually combines the immediate cover request with wider risk information, contract obligations and evidence of controls.
Contract checks
- Required liability limits, professional indemnity wording and any named-insured or principal clauses
- Whether the work is design, advice, project management, physical contracting or labour-only supply
- IR35, agency, public-sector, NHS, BBC, BT, utilities or large-client insurance conditions
Cover areas to compare
- Professional indemnity, public liability, employers' liability and cyber liability
- Tools, plant, contract works, temporary works, goods in transit and personal accident
- Working at height, bona fide subcontractors, labour-only subcontractors and on-site exposure
Quote evidence
- Contract excerpts, statement of work, turnover, fees, wage roll and subcontractor split
- Activities, qualifications, site type, claims history and required start date
- Certificate name, trading style, company number and any client-specific wording