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Contractor Insurance Explained

Contractor Insurance

As insurance brokers, IC Insurance does all the hard work for you, so let us take care of your insurance needs.You don’t have to worry about anything – we’ll search all companies to find the best quote and provide you with affordable insurance cover on our vast portfolio of products.

Our process is also quick and straightforward and offers you handpicked insurance policies you can trust.

To request a quote, send us your details and we’ll come back to you within 24 hours on business days.

If you don’t have time to wait, you can always call us on 01204 565600 during office hours.

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    Comprehensive and Flexible Contractor Insurance

    Because of the countless risks associated with running a construction business, it is crucial to take initiative and insure your company against all possible eventualities.

    Whether you own a large construction company, or you work with a small team, IC brokers have a deep understanding of the specific challenges and risks you face as a contractor.

    That is why we offer comprehensive and flexible uk contractor insurance packages at IC Insurance Solutions. Our bespoke packages are tailored to protect your business, should the unexpected happen.

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    What Are The Risks for Contractors?

    Here are some of the common risks associated with the contracting business:

    Accidents and Injuries

    With construction, there is always a chance of work accidents and injury. You could be held liable for injuries sustained by your employees or third-party stakeholders, including independent sub-contractors and members of the public, during everyday operations.

    Structural Damage

    There is also a standard risk of structural damage claims from clients. Your work requires you to build or renovate a property that belongs to someone else so you can be held liable for damage to property in case something goes wrong during the construction process.

    Some examples include improper construction, damage incurred during renovation and damage to temporary work on-site.

    Faulty Advice

    Even the most skilled construction experts err sometimes but the cost of such a mistake can run into thousands of Pounds. You can be held liable if you or anyone representing your business gives faulty advice to a client and they suffer a financial loss.

    What is Insurance For Contractors?

    Contractor insurance consists of a combination of covers that protect your contracting business in the event of an accident or an injury.

    Claims filed in the aftermath of a mishap can result in a heavy financial loss for a business. Contractor insurance packages serve as a tool of risk management in such scenarios and provide a financial cushion to contractors by covering their key exposures.

    Having the right contractor insurance package reflects positively on your business. Clients are more likely to trust you if you have a cover in place because it serves as a clear indication that you care about their premise and property.

    At IC Insurance Solutions, we know no two contracting businesses are the same. That is why, instead of bringing you standard insurance packages, we collaborate with our partner insurers to design insurance policies on a case-by-case basis.

    What Does Our Contractor Insurance Cover?

    Our key covers include:

    Contractors All Risk Insurance

    Contractors All Risk (CAR) insurance, otherwise known as contract works insurance, is a special form of insurance that offers cover to projects that are in progress. CAR insurance provides comprehensive coverage for property damage as well as third party injury or damage claims.

    Public Liability

    Public liability covers financially protects you against accidental damage to property. Public liability also covers you against third party injury claims.

    Employer’s Liability

    Employer’s liability insurance can cover claims if any of your employees is injured while at work. In the UK, taking out employers’ liability is compulsory if you have one or more individuals working or volunteering for your business.

    Professional Indemnity Insurance

    Professional contractor indemnity insurance is essential if your operations and activities involve dispensing professional advice to your clients. Professional indemnity insurance covers you against claims for loss or damage as a result of faulty advice provided by you.

    Hired in Plant

    Every year, plant equipment worth an average of £70 million is stolen in the UK. Hired in plant insurance covers any plant equipment you may have leased against theft or damage by compensating you for repairs or replacements.

    Own Plant

    Own plant insurance policy covers your equipment and plant against loss or damage on an all-risk basis.

    Types of Contractors We Cover:

    At IC Insurance, we have extensive experience in providing business insurance solutions to a wide range of contractors, including:

    • Builders
    • Carpentry
    • Electrical
    • Engineering
    • Fencing
    • Flooring
    • Glazing
    • Groundwork
    • Heating
    • Landscaping
    • Painting
    • Plumber
    • Rail
    • Roofing
    • Scaffolding
    • Steel

    Request a Contractors Insurance Quote

    About IC Insurance Solutions

    IC Insurance Solutions is a vibrant and enthusiastic insurance intermediary with a passionate team comprising of experienced insurance experts and seasoned brokers. We know the market inside out and our strong partnership with insurance providers enables us to provide comprehensive coverage to you at a competitive price.

    If you have got any questions or you want to obtain a free quotation, get in touch with our specialist advisors, right away. Contact our office on +441204 565600 or email us on

      This form collects your name, renewal date & phone number so that we can communicate with you and provide assistance. Please check our Privacy Policy to see what we'll do with your information.