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 £8.64* 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 Tradesperson insurance is specifically designed to cater for those involved in undertaking highly manual tasks and activities. We don’t just offer liability insurance for yourself and your business but also protection against allegations from staff members concerning accidents at work and we can also include cover for Contractors All Risks, which is designed to protect your material responsibilities when undertaking contracted work, cover for hired and owned plant and tools you use and cover for your staff’s tools. Our product gives you the confidence you need to focus on your specialist service, knowing that you have taken out cover that suits your needs and protects you, where you expect it to give you insurance protection.”

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?

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. At Protectivity prices start from just £8.64* a month.

Prices from

£8.64* a month

Explainer Quote

Policy cost

£8.64* 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 1/10/2024. 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 01/10/2024. 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