Contractors Insurance

Insurance for Contractors

contractors at work sign

As a contractor, you’ll be hired by clients under contract to carry out and complete specified projects and services, you’ll also likely find that each project you undertake is different in nature, with each having their own unique set of risks and hazards. You may even hire labour only sub contractors who will also need to be insured under your policy. Our tailored insurance cover for contractors incorporates public liability and employer’s liability cover as standard with optional professional indemnity cover. We’ve carefully designed our contractor’s insurance policies to help protect contractors from every day potential risks, with additional optional covers available if needed such as contractors all risk and personal accident insurance.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

What does your Contractors Insurance include?

contractors insurance explained

Core Covers

Public Liability Insurance

Protect your business from claims made by the public due to suffering injury or property damage by your business. With the cover available as standard from £1 to £5m, higher limits are also available upon request.

Legal Cover

This cover takes care of any court related costs or costs associated with legal proceedings. We can provide legal cover as a standard part of your Employers liability or public liability policy or as an optional add-on to cover situations such as Contract & Debt Recovery, Employee Disputes and Tax Investigations.


Professional Indemnity Insurance

Professional Indemnity cover is perfect for contractors who provide advice or services to their customers, covering you and your business in cases of misadvice, misservice or misdesign resulting in a customer’s financial loss.

Contract Works or Contractors All Risks cover

Contract Works or also known as Contractors All Risks will insure your work plus materials, should they be damaged or stolen. You’ll also be covered for the additional labour costs incurred to rebuild the work previously completed along with cover for your own or hired in plant.

Equipment Damage cover

This covers you for the cost of replacing any damaged, lost or stolen equipment.

Business Interruption Cover

Protection in the event your business suffers a loss of gross profit or revenue due to an insured incident.

Remember however it won’t cover you for deliberate damage or bad workmanship.
With our contractors insurance policy cover, we can help ensure you are able to carry out projects, safe in the knowledge that you and your business are secure in the event of a claim.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Contractors cover in action

understanding contractors insurance cover

An independent contractor who regularly carries out work for a multitude of different organisations through the year is contracted to carry out building and maintenance work for a college, all under a contract for services. While carrying out maintenance work on the lighting fixtures inside the college’s auditorium, a worker falls from a ladder causing an injury, whilst also damaging one of the lighting fixtures they were working on during the fall.

What was covered?

With a policy including public liability, employer’s liability and contract works cover in place the contractor is covered for the employees injury claim up to a sum of £10 million as well as the cost to replace or repair the lighting fixture the employee was working on but damaged during the fall.

Compare Contractors Insurance quotes from a range of UK insurers

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why choose The Insurance Octopus?

One of our insurance specialists will discuss your business requirements as a contractor with you and look to compare quotes from major UK insurance providers. Get a contractor’s policy tailored to your business needs to ensure you only pay for the cover you need. We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit. Speak to us today to get a quote.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm