Contractors Insurance

Contractors Insurance That Works as Hard as You Do


So you can stay focused on delivering to your clients, not worrying about risk.

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We understand contractors insurance

Whether you’re a self-employed contractor or running a contracting business, the right insurance helps protect your reputation, finances, and client relationships.


Contractors' insurance is designed to provide essential protection for your business liabilities. It covers your employers’ liability for employee injury or property damage, as well as public liability for third-party bodily injury or property damage arising from your business activities.


In addition, your policy can be extended to cover contract works, including loss of or damage to works in progress, your own plant and equipment, and plant hired in, ensuring your tools, machinery, and on-site assets are protected throughout the project lifecycle.


Our team of experienced commercial insurance specialists will take the time to understand your business operations, contractual obligations, and risk exposure. This allows us to source tailored contractors insurance that offers the right level of cover for your business - without unnecessary complexity or cost.

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"Less stress in the long-run, should the worst happen"

FREQUENTLY ASKED QUESTIONS

  • What is Contractors Insurance?

    Contractors insurance is a specialist package of business insurance designed to protect contractors working in construction, engineering, trades, and related industries. 


    It typically combines public liability, employers’ liability, contract works, and plant insurance to cover the key risks faced on site.

  • Is contractors insurance a legal requirement in the UK?

    Certain elements of contractors insurance are legally required. Employers’ liability insurance is a legal requirement in the UK if you employ staff or labour-only subcontractors. 


    While other covers are not mandatory by law, many clients, principal contractors, and lenders require contractors insurance as part of contract terms.

  • Who needs Contractors Insurance?

    Contractors insurance is suitable for:

    • Self-employed contractors
    • Small and medium-sized contracting businesses
    • Construction companies and building firms
    • Tradespeople such as builders, electricians, plumbers, and engineers

    If you are responsible for work on site or employ others, contractors insurance is strongly recommended.

  • What does Contractors Insurance typically cover?

    A contractors insurance policy may include cover for:

    • Public liability insurance – third-party injury or property damage
    • Employers’ liability insurance – injury or illness to employees
    • Contract works insurance – damage to works in progress
    • Plant and tools insurance – owned or hired-in equipment
    • Professional indemnity insurance (where design or advice is provided)

    Cover can be tailored depending on your trade, project size, and contractual requirements.

  • How much contractors insurance do I need?

    The level of cover depends on factors such as:

    • The type of work you carry out
    • Contract values and project size
    • Client or principal contractor requirements
    • Number of employees

    At Pangea Insurance Brokers, we can help assess your risk exposure and recommend appropriate limits of indemnity.

  • Does contractors insurance cover subcontractors?

    Cover for subcontractors depends on how they are engaged. Labour-only subcontractors are usually treated as employees and must be covered under employers’ liability. 


    Bona fide subcontractors typically require their own insurance. 


    Our team of commercial insurance specialists can help ensure your arrangements are correctly insured.

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Customers

We are 100% client focused, and believe in long-term relationships with our customers. We will be there to assist, every year, to take away those insurance worries.

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Quality

Our team of fully qualified advisors bring over a century of insurance experience with them, as well as a wealth of knowledge and expertise.

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Trust

We have full access to all the major insurers that you would expect, covering a range of services and products.

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Personal

We are independent, transparent, and efficient. You can easily contact our team, so no long waits are guaranteed.

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