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Why Contractors Need Specialist Insurance Protection
Contractors face a unique set of risks—from property damage and injury claims to disputes with clients. Insurance tailored for contractors ensures you’re protected from the unexpected.
Look no further than Crosby Insurance Brokers for your Contractors Insurance, we are happy to quote for ALL types of Contractors.
No matter what trade you are engaged we can find you insurance for your business. This includes Public & Employers liability, in addition to this we can include your tools and equipment. Our policy can handle your liabilities, your equipment and if needed we can provide your financial cover for Professional negligence.
We are particularly good for Contractors who have difficult to place or expensive premiums like scaffolders, roofers, those contractors who work in hazardous locations. As a specialist UK based Independent Insurance Broker we have access to insurers who understand the Contractors Insurance market and their premiums are competitive and not available online, due to the bespoke nature of the contractors insurance policy.
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Free
Contractors Insurance Quote
Public Liability Insurance: Protecting Against Third-Party Claims
Public Liability Insurance: Protecting Against Third-Party Claims.
Some contractors need a bespoke public liability insurance for building contractors. There are many factors for this. We need to understand your claims history, types of locations worked which are regarded as high risk or hazardous. For businesses who’s turnover is more than £250,000 per annum they really need help from us in obtaining a quotation which truely suits their needs.
Some contractors pay large amount to Bona Fide Sub Contractors and if their payments are more than 25% of their turnover the policy will be voidable. On site there is an unwritten rule that if a sub-contractor causes any damage or injuries they will have to deal with it. That’s fine, but what if their cover is on the wrong basis or they haven’t paid the premium and cover has been cancelled. Then the claim will come back on the main contractor. It is therefore imperative, that your contractors insurance policy has contingency cover so that your insurers step in and handle the claim.
As you might expect with contractors insurance insurers do require some conditions to apply. Firstly, your payments must be less than 25% of your turnover. If you pay more don’t worry we have an insurance policy for this. You should also ensure that you take a copy of the Bona fide sub-contractors insurance schedule. Which also includes their Employers liability certificate. Assuming they have employees. Keep a copy on your files. You also need to ensure that the sub-contractor as the same level of indemnity as you. Generally, if you have £5 million for Public liability then the sub-contractor will need £5 million also.
Employers’ Liability Insurance: A Legal Requirement for Hiring Staff
If you employ anyone—even on a casual or temporary basis—employers’ liability insurance is legally required. It covers claims from staff who may suffer illness or injury while working for you.
For those working in construction and need insurance, then same general rules apply to any contractors insurance policy. We need to know what you do as a building contractor looking for insurance, that is all your activities must be disclosed to insurers. To get a quote for building contractors insurance. If you are building extensions, or new build properties, all your activities must be disclosed. From joinery, plumbing, heating work etc. The fullest picture is required by insurers to ensure that you get comprehensive building contractors insurance for your business and peace of mind.
Getting the wrong cover, with restricted cover can be mine field to negotiate that’s why you need the help of expert like ourselves who will keep you right as to the level of cover needed to get the right building contractors insurance for you.
Contact us today and enquire about our insurance services
All Risks Cover: Protection for Your Own and Hired-In Plant
Tools and machinery are expensive and vital to your work. All risks cover can be added to protect your own plant and any hired in plant. Whether it’s damaged, stolen, or lost on-site or in transit
There is not substitute for getting insightful, help and guidance to get the right insurance policy at the right premium, the right terms and with the right insurers who are experienced in handling this type of insurance policies.
As a contractor, you know that having the right insurance is essential to protecting your business. We can help to cover the costs of damages or injuries that occur on the job, as well as provide liability protection. There are many different types of contractors insurance policies available, so it’s important to understand what cover you need. This will ensure you choose the right policy for your business.
General liability insurance is a good place to start. As it can help to cover the cost of property damage or personal injuries that occur on the job. You may also want to consider Employers Liability insurance. Which can help to cover the cost of medical expenses and lost wages in the event an employee is injured on work. When shopping for contractors insurance, we ensure that we compare policies from multiple insurers. This ensures we find the best cover for your needs.
All Risks Cover: Protection for Your Own and Hired-In Plant
Tools and machinery are expensive and vital to your work. All risks cover can be added to protect your own plant and any hired-in equipment, whether it’s damaged, stolen, or lost on-site or in transit
Hired-In Plant Insurance: Stay Covered Without the Financial Strain
Hiring plant? You could be liable for repairs or replacement if it’s damaged or stolen. This cover ensures you’re not out of pocket for equipment that isn’t even yours.
Commercial Legal Expenses Insurance: Support When Disputes Arise
From tax investigations to contract disputes, legal protection insurance gives you access to expert advice and covers legal costs—helping you focus on your business, not legal battles.
Contingent Cover for Bona Fide Subcontractors
Even when subcontractors work independently, you could still be held responsible. Contingency cover ensures you’re protected if a bona fide contractor (not under your direct control) doesn’t have adequate insurance.
Flexible and Tailored Cover to Suit All Types of Contractors Insurance
Whether you’re a sole trader or run a team of contractors, we can build a policy around your business. Our flexible approach means your cover grows as your business does.
We offer more than just a policy
See what we can do for you today
Free
Contractors Insurance Quote
We offer more than just a policy
See what we can do for you today
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