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Contractors All Risk Insurance
Contractors All Risk Insurance
At 1st Choice Insurance, we understand the unique challenges that contractors and construction businesses face daily. That’s why we offer Contractors All Risk Insurance, a specialised policy designed to protect your project, your tools, your employees, and your liability exposure from start to finish. Whether you’re a sole trader, builder, property developer, or a large construction company, our Contractors All Risk Insurance provides robust coverage tailored to your needs.
Get a Contractors All Risk Insurance Quote
Working with some of the biggest contractors insurance companies in the insurance industry, we have access to a wide range of policies and can offer quick quotations and instant cover. Call our friendly, experienced team on 03301 081615 for a no-obligation contractors all risk insurance quote.
What Is Contractors All Risk Insurance?
Contractors All Risk Insurance is a comprehensive insurance policy designed specifically for the construction and building industry. It offers a wide range of protection against physical loss or damage to construction works, tools, plant, and third-party liability throughout a building project.
Unlike standard public liability insurance, which only covers injury to third parties or damage to third-party property, contractors all risk insurance also covers accidental damage to your building works, as well as the contractor’s own tools, equipment and hired-in plant. It’s essential protection for any business involved in building, development, or civil engineering works.
What Does Contractors All Risk Insurance Cover?
Contractors All Risk Insurance can include a range of valuable cover options. Depending on the policy you choose, the following cover may be included:
Contract Works Cover
The core component of contractors all risk insurance. This protects your construction project against accidental physical damage before completion. Whether caused by fire, flood, storm, vandalism or theft, the cost of repair or reinstatement is covered.
Own Plant and Equipment
Cover for tools and machinery owned by your business, such as diggers, scaffolding, cement mixers, and more. If they are stolen, vandalised, or damaged on-site or in transit, you can claim for repair or replacement.
Hired-In Plant
If your business hires tools or machinery, this section covers your liability for loss or damage to the hired-in equipment. It also often includes continuing hire charges while the damaged item is unavailable.
Employees’ Tools
Provides cover for the tools and personal effects of your employees whilst on-site, helping your staff recover quickly after theft or loss.
Public Liability
Essential for any contractor working in public areas or on client property. Covers injury to third parties or damage to their property caused by your business activities.
Employers’ Liability
A legal requirement in the UK if you employ staff. This covers claims made by employees for injury or illness caused as a result of their work for you.
Optional Extras
Policies can be tailored with optional add-ons including professional indemnity, product liability, business interruption, and legal expenses.
Who Needs Contractors All Risk Insurance?
Contractors all risk insurance is suitable for a wide range of professionals within the construction industry. You may need contractors all risk insurance if you are:
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A general builder or tradesperson
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A subcontractor
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A self-employed contractor
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A property developer
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A civil engineering contractor
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A renovation or refurbishment specialist
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An electrician, plumber, or roofer
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A groundworker or landscaper
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A construction company or design & build firm
Whether you’re managing small domestic projects or large commercial builds, the risks are real. Protecting yourself against financial losses due to accidents, theft, or damage is essential.
Benefits of Contractors All Risk Insurance
✅ Full Protection for Your Project
Contractors all risk insurance offers far more comprehensive cover than public liability alone. It protects the actual construction works, as well as your tools, plant, and hired equipment.
✅ Tailored to Your Business
We offer flexible policies that are built around your specific business needs. From sole traders to large firms, we create bespoke solutions that truly fit.
✅ Compliance with UK Regulations
Employers’ liability insurance is legally required if you have any staff. Our policies ensure you remain compliant with UK laws and health & safety standards.
✅ Business Continuity
Delays and disruptions due to accidents, theft or weather damage can cost you thousands. Contractors all risk insurance helps get you back on track without major financial loss.
✅ Client Confidence
Comprehensive insurance shows clients and contractors that you take your responsibilities seriously. It can also be a requirement when bidding for larger contracts.
Why Choose 1st Choice Insurance for Contractors All Risk Insurance?
At 1st Choice Insurance, we believe great service goes beyond just providing a policy. We take the time to truly understand how your construction business operates, so we can offer Contractors All Risk Insurance that’s tailored to your specific projects, risks, and goals, not just a standard, one-size-fits-all solution.
Our experienced team is committed to building long-term relationships with contractors, tradespeople, and construction firms across the UK. We know that every site, every job, and every business is different. That’s why we provide expert guidance, dependable cover, and personal service from start to finish.
Personalised Service
We don’t just offer generic cover, we get to know your business. Whether you’re working on domestic builds, commercial developments, or civil engineering projects, we’ll recommend the right level of protection based on your real-world risks.
Exceptional Customer Care
Your construction business matters to us. Our friendly, knowledgeable team are here to make sure you feel supported, informed, and confident in your insurance, before, during, and after your policy is active.
Comprehensive Protection
From damage to contract works and theft of tools to liability for injury or third-party property damage, our Contractors All Risk Insurance policies are built to protect every aspect of your business.
Ongoing Support
We’re here for you for the long run. Whether you need to make a claim, amend your policy mid-term, or simply have a question, our expert team is on hand, quickly, professionally, and always with your best interests at heart.
