Contractor insurance

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Why do you need contractor insurance?

We insure contractors of all business types, from builders to accountants to IT contractors. Whatever your profession, most contractors face similar dangers in their work – including accidents and injuries, unexpected events leading to missed deadlines, or damage to the equipment you’ve hired or invested in. To get a quote, you’ll need to choose insurance that’s targeted to your trade, but this page gives you an overview of the top reasons contractors need cover.

  • Cover against big claims, such as legal and medical costs
  • Protection against the expense of repairing your work or redoing it from scratch
  • Peace of mind for you, your business, your employees and your customers


What does contractor insurance cover?

You know what matters to you most in how you operate as a contractor, so you’re in charge of your policy. Whether you want to cover yourself or your team for accidents on site, legal disputes with clients, or the tools you rely on, you tell us what you need and we’ll tailor your insurance around you.


How much does contractor insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your contractors insurance policy , so you only pay for what you need.

Prices start from £4.95 per month

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Example contractor insurance quotes, real prices

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Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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0333 043 8527

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Contact us on our website whenever suits you

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Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


How it works

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How do contractor insurance claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online.

£68 million in claims paid out in 2024

Example contractor insurance claim

Having contractor insurance through Simply Business has saved contractors thousands of pounds when the unexpected happened.

Bruce saved more than £9,100

As he was fitting a fence for a customer, fencing contractor Bruce (not his real name) needed to dig some holes. He followed the main contractor’s advice about where to use a digger and where to dig by hand, but the power company alleged a hit to a 15000v cable, which had to be repaired. Fortunately Bruce’s insurance stepped in to cover the cost.

Contractors insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about contractors insurance. You can also check out our business insurance FAQs.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions