Insurance for contractor businesses
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Our flexible business insurance is suitable for a diverse range of contractor businesses.
If your business insurance is up for renewal or you want to buy a new policy, you can get a tailored quote online (just put in a few details to see a price). Or give us a call on 0330 165 5134 and speak to one of our experts.
- We work with a selection of trusted insurers to find a competitive quote, giving you choice and flexibility
- Our insurance experts understand no two businesses are the same and can help you get the best cover for your business
- More than 800,000 customers have chosen Simply Business – we're rated 4.7/5 on Feefo and received the Platinum Trusted Service Award in 2022
Our experts take the time to understand your business
Our team of insurance consultants can help you get the right level of insurance to cover the unique risks faced by your business.
If you switch to Simply Business, you'll get a dedicated insurance expert assigned to you. They’ll take the time to find out how your business works and ask the right questions.
This personalised service can give you the reassurance that your business is covered should the worst happen.
The Kada Coatings team
'Carol at Simply Business asked questions until she understood what we were about. We trust and respect Carol and Simply Business because she found us the right insurance cover – we wish we’d found them sooner.'
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Insurance for contractor businesses
Our customer-focused team has a wealth of knowledge about the insurance needs of contractor businesses, from bricklayers and carpenters to dryliners and electricians.
This has helped us to develop a contractors combined insurance product you can tailor to suit your business. Whether you want to cover yourself for accidents on site, legal disputes with clients, or the machinery you need to run your business, you pick what goes into your policy.
Contractors combined insurance
Cover that meets the specific needs of contractors with large or complex risks such as heat, height, depth, or location.
Public liability insurance
In case you or your employee injure someone or damage their property.
Employers’ liability insurance
In case an employee gets sick or injured while working for you.
Tool insurance
In case your tools are lost, stolen or damaged.
Hired-in plant insurance
In case plant machinery, like excavators, you've hired in is lost, stolen, or damaged.
Own plant insurance
In case plant machinery, like excavators, you own is lost, stolen, or damaged.
Legal expenses insurance
In case you’re faced with legal costs from running your business.
Contractors combined insurance
Cover that meets the specific needs of contractors with large or complex risks such as heat, height, depth, or location.
What is contractors combined insurance?
Contractors combined insurance includes a range of standard and optional covers to help you protect your business. This product is suitable for businesses with more than 10 employees or those with more than five employees and an annual turnover of over £750,000.
- Public and product liability cover up to £10 million
- Employers’ liability cover up to £10 million
- Optional covers including plant and tools, material damage, and business interruption
What businesses do contractors combined insurance cover?
Our contractors combined insurance provides cover for a diverse range of contractor businesses.
Public liability insurance
In case you or your employee injure someone or damage their property.
What’s typically covered by public liability insurance?
- accidents while working at your premises, or on a commercial or residential building site
- accidents while building new structures, or altering, converting or extending existing ones
- accidents that happen because of your work, or faulty materials, equipment or parts
For example:
- a wall you’re building accidentally falls on a member of the public
- your employee accidentally puts a ladder through someone’s window
What you’ll need additional cover for
- if you do work other than building on some standalone jobs – for example, electrical work, plastering, or plumbing
Read more about public liability insurance
Employers’ liability insurance
In case an employee gets sick or injured while working for you.
What’s typically covered by employers’ liability insurance?
- employee illness or injury caused by working for you
- medical bills and legal fees due to employee illness or injury
- some temporary or casual workers may be covered – find out which ones
Tool insurance
In case your tools are lost, stolen or damaged.
What’s typically covered by builders tools insurance?
- loss, damage or theft of your hand tools, power tools and equipment
For example:
- a flood at your workshop causes water damage to your Stihl saw
- you turn your back on site for a minute and your tool box is stolen
What you’ll need additional cover for
- tools left in your van, hired plant, machinery, stock or contents
Read more about tool insurance
Hired-in plant insurance
In case plant machinery, like excavators, you've hired in is lost, stolen, or damaged.
What’s typically covered by hired-in plant insurance?
- loss, damage or theft of things like excavators, rollers, cement mixers etc. you’ve hired in
For example:
- a bulldozer you’ve hired is stolen from the site you’re working on
- you damage a cement mixer you've hired by dropping a saw into it
What you’ll need additional cover for
- tools and plant machinery you own
Read more about plant machinery insurance
Own plant insurance
In case plant machinery, like excavators, you own is lost, stolen, or damaged.
What’s typically covered by own plant insurance?
- loss, damage or theft of things like excavators, rollers, cement mixers etc. that you own
For example:
- your bulldozer is stolen from the site you’re working on
- you damage your cement mixer by dropping a saw into it
What you’ll need additional cover for
- plant machinery you hire in
Read more about plant machinery insurance
Legal expenses insurance
In case you’re faced with legal costs from running your business.
What’s typically covered by legal expenses insurance?
- legal expenses resulting from your day-to-day business activities, like disputes with employees
- the cost of legal claims relating to property damage, nuisance or trespass
- HMRC investigations, and tax and compliance disputes
- includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your business’s reputation
For example:
- if an employee is injured at work and brings a case against you
- if your site is vandalised and you bring a case against the vandals
Read more about legal expenses insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
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