Contractor insurance
Join over nearly a million customers – we offer public liability cover from £4.95*
Get tailored quotes in 7 minutes
- UK-based expert support, online and on the phone
- Get covered and all your documents the same day
- Compare tailored contractors liability insurance from trusted brands
10% of customers pay the equivalent of £4.95 a month*

Compare quotes from leading brands







Rated 4.6/5
Based on 39.9K reviews

Claims paid in 24 hours
For 80% of settled claims
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
Get tailored quotes in 7 minutes – prices are guaranteed for 30 days.
Get tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £59.34 or less annually between 1st Feb – 30th April 2025. Equivalent to £4.95 a month (and excludes the extra costs for paying monthly). 82% of customers have a £1 million limit and 18% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example contractor insurance quotes, real prices

£7.98 /month
£59.83 /year
A fencing contractor working on residential properties
- 4-5 years’ experience
- Sole trader
- No employees
- Based in Telford
Public liability
£1,000,000
Employers’ liability
Not included
Tools insurance
Not included

£87.44 /month
£777.21 /year
A small commercial flooring contracting company working in the local area
- 5+ years’ experience
- Limited company
- 2 employees
- Based in Norwich
Public liability
£5,000,000
Employers’ liability
£10,000,000
Tools insurance
£8,000
How we work out example quotes These examples are real quotes from our online system (created 02/03/2023). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
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

Call our team
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
Choose the best fit for you
Buy online in minutes
Get your documents the same day

Direct to
insurer
Highstreet
broker
Compare policies from a range of trusted insurers
Buy online or over the phone in minutes
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
76% of claims were settled in 2024.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.
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.
Insurance payout
£9,156.90
Covering the cost of accidental damage
Bruce’s costs
£100
The excess amount stated in Bruce’s policy terms
Chosen by nearly one million small business and landlord customers
We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.
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