Subcontractor Insurance UK - Cover for Labour-Only & Bona Fide Subcontractors

Q: Do subcontractors need their own insurance?

Many subcontractors need their own insurance, especially bona fide subcontractors who operate independently.

Q: What is the difference between labour-only and bona fide subcontractors?

Labour-only subcontractors usually work under the direction of the main contractor, while bona fide subcontractors operate more independently and are generally expected to carry their own cover.

Q: Do subcontractors need public liability insurance?

Public liability insurance is often required by the contractor or client before work starts.

Q: Can self-employed subcontractors get cover?

Yes. Self-employed subcontractors can arrange cover tailored to the type of work they carry out.

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Subcontractor insurance protects individuals working under contract for builders or main contractors. Whether you are labour-only or operate as a bona fide subcontractor, having your own insurance is often a requirement before work starts on-site.

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Types of Subcontractors

Labour-Only Subcontractors

Typically work under the direction of the main contractor and may be covered under their policy, but not always.

Bona Fide Subcontractors

Operate independently and are generally expected to have their own insurance cover in place.

What Cover Do Subcontractors Need?

Public liability insurance
Tools and equipment cover
Employers' liability if hiring staff

Why Subcontractor Insurance Is Essential

Required by most contractors before working on-site
Protects against injury and damage claims
Covers tools and work risks

For broader cover across several risks, visit our contractor insurance page.

If you work alone, our self-employed contractor insurance guide may also be relevant.

For liability-only cover, see contractor public liability insurance.

To protect hand tools and portable equipment, visit contractor tools insurance.

FREQUENTLY ASKED QUESTIONS

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Do subcontractors need their own insurance?

Many subcontractors do, especially bona fide subcontractors operating independently.

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What is the difference between labour-only and bona fide subcontractors?

Labour-only subcontractors usually work under the main contractor's direction, while bona fide subcontractors operate more independently and normally carry their own cover.

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Can subcontractor insurance include tools cover?

Yes. Many subcontractor policies can include cover for tools and equipment.

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Do subcontractors need public liability insurance?

Public liability cover is often required by the contractor or client before work starts.

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Can self-employed subcontractors get cover?

Yes. Cover can be arranged around the type of work carried out and the contract requirements involved.

Related Subcontractor Guides

These guides help separate labour model questions from cover-structure questions, which is usually where subcontractor insurance decisions become clearer.