Contractors' Insurance | Contractors All Risk Insurance

Cover to protect you and your team

Gallagher can help you protect your business and meet your legal obligations and responsibilities as a contractor, builder or construction operator.

Cover designed to protect and support contractors and subcontractors

Contractors' insurance helps protect you against the everyday risks that come with working on-site, including accidental damage, injuries and the legal responsibilities tied to your work. Even with strong skills and preparation, unexpected challenges can interrupt a job and put pressure on your business.

At Gallagher, we understand the pressures you face as a contractor and how important reliable protection can be. We help self-employed contractors and subcontractors across many trades find suitable insurance that reflects the work they do. If your trade isn't listed below, our team can advise on suitable options.

Types of contractors covered include:

Self-employed contractors
Contracting business owners and managers
Builders
Cleaners
Landscape gardeners

Contractors' insurance cover from Gallagher

Contractors' insurance brings together several types of protection to cover the specific risks you face day-to-day. Gallagher can arrange cover that reflects the environments you work in, the responsibilities you take on and the equipment you use. Rather than focusing on a single aspect, this insurance considers the wider picture, including the type of on-site work, your tools and the potential liabilities of your trade. Insurance solutions offered for contractors can include:

Protection for the work you're carrying out on-site. If a project is damaged or destroyed by an insured event, this cover helps you recover the costs needed to repair or rebuild.

Protection for your tools against theft, loss or accidental damage, whether on-site, in transit or stored securely overnight. Gallagher also offers cover for plant and machinery you hire or own, including damage or theft while the equipment is in your possession.

Personal accident cover can provide financial assistance if an accident leaves you unable to work. It can provide regular payments or a lump sum to help support your income and essential expenses while you recover.

Contractors' public liability insurance

Cover for if your work causes injury or property damage to a third party. Supporting you by covering legal fees and compensation claims whether the incident occurs on or off-site.

Contractors' indemnity insurance

Protection if a client claims they suffered financial loss or reputational damage due to your advice, design work or professional services.

These are brief product descriptions only. Please refer to the policy documentation, paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses, and any endorsements.

Contractors' insurance: Frequently asked questions

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation

Why do I need contractors' insurance?

You might think that some risks are worth taking. In some sectors, that could well be the case. But, in others, there's so much that can go wrong – even if only in the worst-case scenario. It's why you should make sure as a contractor you have cover as you can also be hit hard if your tools and machines are put out of action. Two-thirds of UK builders have had tools stolen, according to research. With adequate contractors' equipment coverage, you shouldn’t – at least – be left out of pocket.

By talking to our specialists, we'll help you see the bigger picture. You might feel that professional indemnity and public liability insurance for contractors is enough. But we can also help you determine if you're likely to benefit from a more comprehensive level of contractors’ all-risk insurance.

To explore your options, get in touch with our contractors’ insurance specialists or phone 0800 062 2027.

Will I be covered as a sub-contractor?

As a sub-contractor, you can't be sure that you'll be covered by the main contractor’s insurance policy. It can change on a case-by-case basis, of course. But the only way to know for certain if you're covered is to explore your own contractors’ insurance options with our team of specialists.

How much will my contractors’ insurance cost?

The cost of contractors’ insurance reflects a number of considerations, including the scope and scale of what you deliver as a contractor. Whatever the type of work you deliver for clients, we can provide a range of contractors’ insurance policies that are tailor-made – and fit for purpose.

Contractors’ all-risk insurance policies are a useful starting point. But, even then, different factors can influence your monthly or annual cost. By choosing Gallagher, however, please rest assured that we're committed to ensuring absolute value. You can get a quote today by getting in touch with one of our contractors’ insurance specialists. Alternatively, you can phone our team on 0800 062 2027.

Why choose Gallagher for contractors’ insurance?

We know there are a range of contractors’ insurance choices available in the market. That said, we’re confident that Gallagher is a smart choice for contractors, builders and construction operators. As insurance broker to more than 1 million UK businesses, we're proud to support contractors and help them to protect their livelihoods.

You can benefit from access to a team with years of experience in the building and construction industry, providing contractors' insurance solutions to a wide range of professionals who come to us in search of the insurance cover that helps enable them to get the job done.

From specific building contractors' insurance to liability insurance for contractors, our team is ready and waiting to help. We'll explain the options in easy-to-understand language so you’re clear on what you're signing up to.

How can I find out more about contractors’ insurance?

To connect with our team to discuss your contractors’ all-risk insurance policy, call us today on 0800 062 2027 or complete a simple online form and a member of our team will be in touch.

Why choose Gallagher

With so many contractors' insurance options available, choosing a reliable provider matters. Gallagher is the chosen insurance broker for many UK businesses, and we're proud to support contractors across a wide range of trades.

Our team has extensive experience in the building and construction sector, helping professionals find cover that suits the work they do. Whether you need specific contractors' insurance or liability protection, we'll thoroughly explore your options to help protect your day-to-day work.