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.

Are you a self-employed contractor? Do you run or own a contracting business? At Gallagher, our team understands the hard work effort that goes into managing the expectations of your clients. Being a contractor has certain legal obligations and responsibilities. When something goes wrong, having an insurance solution in place can make all the difference. This is where contractors' insurance comes in – and it's something that we can arrange for you.

What is contractors' insurance?

Whatever your trade or area of expertise, contractors' insurance is an important consideration to safeguard your interests covering a range of occupations including builders, cleaners and landscape gardeners. There are always risks and dangers in your line of work. And despite all the training, experience and preparation you have, things can go wrong. When the unexpected happens, having adequate insurance can help protect your business.

Contractors' insurance – and the levels of protection it affords – helps ensure your business relationships. You depend on your clients for your income. Your clients depend on you to deliver. These relationships should stand the test of time.

So, why not call on our team of contractors' insurance specialists. With our vast experience, we're here to help self-employed contractors and sub-contractors to get peace of mind when on your next job. We know the various aspects of contractors' insurance can be confusing. But we're on hand to guide you through them. And we'll give you a clearer picture of what cover you may need.

Contractors' insurance: What does it cover?

Life as a contractor can mean no two days being the same. You might move from one site to the next, or be retained by a client to deliver a major project. In a fast moving world, important deadlines may be missed, an error or accidental oversight may occur in the advice you provide, or the equipment you need to deliver the project might be damaged or stolen.

When that happens, contractors' insurance offers a layer of protection to help you to resolve the matter and keep you moving forward. It covers a range of scenarios from legal disputes, equipment issues, through to accidents and injury on site. Whatever your role as a contractor involves, Gallagher can tailor an insurance solution around the way you want to work. Here are some examples that we can help you with:

Contractors’ all-risk insurance

As the name suggests, contractors' all-risk insurance offers a comprehensive level of cover. This usually protects you against numerous potential problems. It covers third-party injury or property damage claims – bringing a number of types of risk cover into one single policy.

In the UK, contractors’ all-risk insurance covers loss and damage caused by things such as fire, water damage and flooding. It can also offer protection if your equipment or work materials are lost, stolen or accidentally damaged. For many contractors, this is a 'must-have' policy.

Contractor public liability insurance

Under UK law, there's no legal requirement to take out contractor public liability insurance. But why risk it? You could easily face a sizeable bill if you have an accident that causes property damage or injury to a member of the public. But contractor liability insurance means that you'll be insured.

It can be good practice to have contractor public liability insurance in place too. Clients or main contractors (if you're a sub-contractor) may want you to have this type of cover before you start on your next job. Most cover starts at £1 million, but it can be increased if you need it to be.

Contractor indemnity insurance

With nearly every project, the job will go without a hitch. Sometimes, however, you might make a mistake or forget to do something. If so, it's possible that a client will make a claim against you for their financial loss. Professional indemnity insurance for contractors can be a useful safety net if this should happen.

It can be a valuable form of building contractors' insurance, for example. But, for any contractor, it can offer huge reassurance if something does go wrong and you're found to be at fault.

Contractor equipment insurance

Juggling the job as a contractor with all the planning and logistics involved can be time consuming. Stolen plant and equipment or it being out of action due to accidental damage may be another thing to add to the list. Having contractor plant and machinery insurance coverage in place can help with the financial loss and the headache of managing an unexpected issue.

Given the diverse range of options available, including professional indemnity and public liability insurance for contractors, we can help you to identify the cover that’s most relevant to you. And if this leaves you scratching your head, no problem, we're here to help. Call 0800 138 7580 today or complete a simple online form to talk to one of our specialists.

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

  • Contractors’ all-risks insurance
  • Employers’ and Public Liability insurance
  • Cover for your tools and equipment
  • Tailored policies for sub-contractors

  • Gallagher SME Team