Contractor All Risk Insurance

Specialist contractor all risk cover for tradespeople.

  • Public Liability for tradesman
  • Contractors All Risk Cover
  • Join over 150,000 customers**

From £3.37* a month

Trusted by thousands...

Our reviews speak for themselves, with highly rated reviews from over 3,000 customers.¹

What is covered under contractors all risk insurance?

Our contractors all risk insurance is an optional extra, as part of our tradesman policy. Essential liability cover is included as standard, ensuring you operate securely and avoid financial losses.

Our policies are flexible to your needs. You can customise Contractors All Risk insurance to meet your specific requirements. Choose the level you need for contractors works, plant and tools you own and hire. If you select one or all of these extras, employee tools and personal effects will be included, up to £500.

Make sure you have the correct insurance for your trade and be sure to check if any exclusions are relevant to what you have planned in policy documentation.

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Public Liability

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Employers' Liability

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Contractors Works

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Plant & Tools

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Financial Loss

What is contractor all risk insurance?

Contractor’s All Risk insurance provides comprehensive cover for a wide range of risks involved in construction projects. It typically provides cover for physical loss or damage to the construction works, ensuring that building materials, on-site structures, and partially completed work are protected against unexpected events like fire, theft, or weather damage.

Contractors all risks insurance also covers both owned and hired plant and tools, safeguarding valuable construction equipment against loss or damage. Additionally, it includes public liability cover, protecting contractors from claims arising from third-party injuries or property damage during construction activities. This type of insurance helps mitigate financial risks for contractors, subcontractors, and other stakeholders, ensuring that projects can continue smoothly in the face of unforeseen challenges.

Here are a few scenarios to help explain why you need contractor all risk insurance:

Protection from claims if a client suffers an injury.

Accidents on construction sites are risks that you should be prepared for.  Third party injuries to clients, subcontractors or bystanders are possible and could result in a claim against you.

Having public liability insurance protects you as a tradesperson from costly claims because of these incidents.

Accidental damage caused to plant and tools you own or hire.

As a self-employed construction worker you have access to specialist tools and plant equipment, to aid you in providing the work you are undertaking. These tools could be frequently subject to damage and loss.

Without Plant and Tools insurance, you’d have to cover the cost of replacing these expensive tools, which could impact your earnings. However, with the insurance in place, the cost of repairing or replacing your tools would be covered, allowing you to continue your work without financial worry.

Protection from loss or damage to permanent or temporary works.

As a self-employed builder working on a home extension, imagine a storm damaging partially built walls and expensive materials stored on-site. You could be faced with significant losses from the cost of replacing materials and repairing the damage, setting the project back.

With Contractors Works insurance, this cover could handle these unexpected costs, protecting you financially and keeping the project on track.

Our experts explain why...

“Our Contractors All Risk insurance is an essential add-on for our trades policies, designed to provide comprehensive protection for construction projects and the various parties involved. We understand that construction work comes with complex risks – from potential damage to works in progress and materials on site, to the tools and equipment essential for completing the job. That’s why our coverage can go beyond standard liability insurance to protect your contract works, plant, machinery, and temporary structures.

With options to include hired-in equipment and employees’ tools, our policy can be tailored to match your project requirements. This means you can focus on delivering quality work, knowing that your business, materials, and equipment are protected against unexpected events that could otherwise cause significant financial impact.”

Chris Trotman, Protectivity Underwriting Manager

Making claims clear and simple

We work with our claims handling partners to make the process of making a claim as easy as possible.

Claims data as of 01.10.2024

£4.5million

paid in claims

£188081

largest claim paid

How much does all risk insurance cost?

At Protectivity, Contractors All Risk Insurance starts from just £8.37* a month.

Contractor all risks cover can be added to one of our tradesperson policies. Select your activity then add Tools and Plant cover and Contractors works cover. The cost of contractor all risks cover can vary widely depending on several factors, including the size and scope of the construction project, the location of the project, the type of coverage needed, the insurer, and the risk factors associated with the project.

For example, if you employ staff then your policy will need additional cover in Employers’ Liability, at a higher cost.

Prices from

£8.37* a month

Explainer Quote

Policy cost

£8.37* a month

Policy type

Tradesperson

Duration

Annual

Turnover

Up to £250,000

Public Liability

Up to £1,000,000

Contractors Works

Up to £50,000

This example is based on a real quote from our website on 06/03/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.

Have a question?

For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.

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Help & Support

Find answers to your questions and other assistance.

Why choose Protectivity for your contractor all risk insurance policy?

Let the reviews of over 3,500 customers explain why you should choose us.¹

Trusted by over 150,000 customers.

Experienced insurance providers for over 30 years.

Over 3,500 highly rated reviews.

Proof of our excellent customer service.

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Experienced Claims Handling

A smooth and efficient claims process.

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UK Based Customer Support

Our UK sales team are here to help.

Frequently
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This page content has been created for general information and should not be taken as advice.

*Prices quoted refer to a quote raised from our website 06/03/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.

** Based on Protectivity sales data from 2007 to Sep 2024

¹Based on live Feefo data