Tradesman & Contractors

Contractors All Risks insurance (also known as Contract Works insurance) is an insurance policy specially designed for builders and a number of trades working at a contract site. Contractors All Risks insurance can include cover for public and employers liability, contract works, own plant, hired-in plant and employee’s tools.

The main part of the contractors all risks insurance is the contract works section which provides cover for the value of the new materials and property being used on a project (e.g. new house, etc.).

The policy is written to enable the Contractor or Employer to comply with the insurance requirements of the Contract and to cover the liability of the contractor for loss or damage during the maintenance period. The CAR policy is to be taken out in the joint names of the employer and the contractor either by the employer or contractor in a new build scenario or by the employer where the work relates to existing structures (e.g. refurbishment). In the case of existing structures the policy will extend to loss or damage to the structure and contents caused by insured risks. It is often a requirement of funders that they are also named as joint insured on the policy or at least have their interest noted. Similarly site owners (who are not the employer under the building contract) will often wish to be included as joint insured on the CAR policy. The effect of joint names insurance is that each party has its own rights under the policy and can therefore claim against the insurer. Each insured should comply with the duties of disclosure and notification. Crucially, the insurer has no right of subrogation against the other insured party, which means that the insurer is not able to recover sums paid to one co-insured under the policy by pursuing a subrogated action in the name of the other insured.

Tradesman Public Liability Insurance

The Right Protection For The Job.

If you are working on site, in a customer’s home or a commercial premises and you need to have Public Liability Insurance we have the product for you!! Get a quote on our Tradesman Insurance Product. The cover protects your business against incidents you’re responsible for.

If you or one of your employees has an accident that causes injury or damage to a third party or third parties property, or someone makes a claim against you for compensation, you can protect your livelihood and keep your business on track. The policy gives you the freedom and ability to extend cover limits and take out optional extras to give you that extra comfort level of protection you may need.

Cover can start as low as £50* including Insurance Premium Tax, based on the standard level of cover! Example premium based on one specific trade, subject to full terms and conditions and underwriting, depending on status.

Standard CoverOptional Extras
Up to £1m Public Liability Cover
Increase Public Liability up to £2m or £5m
Employers Liability cover up to £10m
Tools and Business Equipment
Contract Works, Owned and Hired in Plant
Personal Accident
Commercial Legal Expenses - Advice and Assistance only
Commercial Legal Expenses - Full Cover
Treatment Risks – Specific coverage for beauticians, hairdressers etc
  • Example based on Landscape Gardener, with £1m limit of indemnity. Terms and Conditions and underwriting criteria apply, subject to status.
  • Premium can be paid in 10 monthly installments, subject to status

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