Contractors all risk
We make arranging your all-risk insurance simple and hassle-free
Start a Quote
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Insurance covers to consider
When deciding what insurance and covers you need to protect your business, you should consider the following:
Contract works insurance
As you work to complete a project, you cannot forget that you are working under the conditions of a contract. Contract works insurance can cover temporary and permanent works executed according to the terms of the contract. It could also cover materials which have not yet been incorporated into the work prior to the loss, as well as own and hired in plant, equipment and tools. For example, if during a project the building work that you have completed is damaged then this cover could help financially to pay for the repair of the work already completed up to the value of the contract.
Public liability insurance
As a contractor or tradesman, you’ll most likely be working at other people’s premises and construction sites. Therefore, there is always a risk of injuring a third party or damaging their property whilst at work. You should, therefore, consider public liability insurance to protect yourself against unfortunate events that could lead to claims being brought against you.
Employers' liability cover
If you employ staff then in most cases employers’ liability insurance is a mandatory legal requirement. This cover protects you against claims for compensation following an injury sustained by any of your employees whilst at work.
Optional cover extensions
A contractors all risk insurance policy could be tailored further with optional cover extensions. Common options include non-negligence insurance, which could cover you against claims for unexpected damage to neighbouring property resulting from your ongoing works and business legal expenses insurance which may be useful should you need to seek expert legal counsel.
Contractors all risk insurance FAQs
What does contractors all risks insurance cover?
A contractors all risks policy can cover many of your contractors insurance requirements which could include:
- Contract works insurance
- Public liability insurance
- Employers liability insurance
- Own plant or hired-in plant
- Tools cover
- Optional extensions
What does contractors all risks insurance not cover?
While contractors all risk insurance provides many covers designed specifically for construction businesses, it does have some limitations. It’s important to understand these limitations and exclusions and consider if additional insurance policies are required to protect your business.
- Professional indemnity insurance – Providing advice for a fee in your professional capacity comes with risk. Professional indemnity insurance can cover the legal costs, expenses and damages involved in claims made against you if your client alleges that you have given incorrect advice, provided an inadequate service or been found to be negligent in the designs you may have drawn up.
- Directors & officers insurance – An insurance policy that offers personal liability cover for company directors, officers and managers against civil, regulatory, or criminal proceedings against managerial decisions and actions.
- Cyber insurance – Most businesses rely on some form of IT infrastructure, whether it’s computers, mobiles, tablets or more complex systems and networks. Cyber insurance is a risk management solution designed to support your business should it fall victim to cybercrime.
- Defective workmanship – If you want to protect yourself and the property owner/buyer against this, you’ll need a structural warranty.
What will I need to know to complete my insurance quotation?
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
How soon will I get my policy documents?
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
How do I pay for my policy?
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
Why choose Premierline?
We're commercial insurance experts
We understand the nature of running your commercial and industrial business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
- Award winning service - We're trusted by thousands of SMEs across the UK
- Comprehensive protection - We can help with all your commercial insurance needs
- UK based experts - Located in Lancaster, our advisors are here to help
Our customer reviews and testimonials
“Outstanding service. They are very helpful with all enquiries and come straight back with answers. Easy to use portal for all documentation as well, which is a great help.”
Shopfitter
Customer since August 2024
Our independent customer reviews
Speak to a contractors all risk insurance expert
We arrange insurance for many types of contractors and tradesmen. Simply speak to one of our insurance advisors who are on hand to help you compare quotes and make the right decision for your business today.
Start a Quote
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm