Contractors insurance

Personalised cover for contractors

Why might contractors need insurance?

Whether you’re an electrical contractor, roofing contractor, flooring contractor, or plumbing contractor, unexpected events can happen on any job site, leading to financial losses. Clear Business can work to find insurance cover for a range of contractors, including those operating within construction, property and specialised design projects.

With access to a panel of insurers, our supportive small business insurance team will search the market for a policy that suits your needs. We offer flexible payment methods and charge no fees for mid-term adjustments, allowing you to protect your business with a policy that's as reliable as you are. Simply fill in our quote form or request a callback for your contractor insurance quote, and we can discuss the various options available to you.

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What could an insurance policy for contractors include?

Public liability insurance

Should a member of the public, customer, or site visitor be injured or have damage done to their property as a result of your work, you can be covered against the cost of claims. Standard cover ranges from £1m to 5m.     

Employers’ liability insurance

Most employers are required to have employers’ liability insurance, which provides cover in the event of employee injury. For more information, visit the government website.      

Legal expenses cover

This insurance is designed to help cover legal costs and provide advice on issues such as employee or contract disputes, data protection, debt recovery and more.   

Insurance cover for contractors and projects 

As a contractor, you may be hired by clients to carry out specific projects and services, each with its own unique risks and hazards. Insurance cover for contractors can include public liability, employers’ liability cover and legal expenses cover. 

Clear Business can also source:

Professional indemnity insurance

Professional indemnity insurance can cover you against claims for financial loss suffered by clients or third parties due to negligent advice or design.  

Contract works or contracts all risks cover

This can cover your ongoing work and materials in case of damage or theft. It can also include additional labour costs to restore the work to its status before the damage occurred. 

Tool and equipment insurance

Damaged equipment and stolen tools can hold up building work. With tools and equipment insurance you can access cover to pay for replacements, helping minimise any down time. 

Owned and hired plant cover

This type of cover can protect your business against financial loss if your machinery is stolen or damaged. This applies to both hired and owned plant equipment. Hired plant cover can also include the hiring charges you may still be expected to pay, even when the equipment is unusable.   

We've protected over 30,000 small businesses. Join them and get covered today!

    Cover for different types of contractors 

    Contractors insurance may be suitable for a range of tradespeople and general contractors, including: 

  • Electrical contractors 

  • Flooring contractors 

  • Plumbing contractors 

  • Roofing contractors  

  • Painting contractors, and many more 

  • Speak to our team so you can choose the right cover for you and your contracting business. 

Why choose Clear Business for finding your business insurance?

We can compare prices from a panel of different insurers, so you don't have to. 

Up to £5 million of cover

Claims can be expensive, that’s why we source insurance that offers up to £5 million worth of public liability cover, with more available upon request.

Simple, specific cover

To help save you both time and money. We compare prices from a panel of different insurers, so you don’t have to. Giving you back more time to run your business. 

A team that knows your industry

We're business insurance specialists, so we know how important it is to understand your unique requirements.

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to help make the claims process as quick and stress free as possible.  

No mid term fees

We don’t charge any mid-term fees at all during the life of your policy. No cancellation fees from us either.  

Clear Business Insurance

Simple. Fast. Affordable.

Services simplified

Be prepared for unexpected events with business insurance through Clear Business.

Looking to take out a policy?  Our team will discuss your business needs with you and compare personalised quotes from a number of major UK insurance providers. You'll be presented with policy options that ensure you only pay for the cover you need. Simple. 

Get in touch and get protected

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