General Contractors’ Insurance

Start your General Contractors’ Insurance Quote now

I agree to the following Privacy Policy and would like to be contacted by an FCA regulated consultant. Calls may be recorded for quality and training.

General Contractors’ Insurance

Protect your business against the unexpected with general contractors insurance and keep your projects on track, no matter what.

Fill out our short form or call us on 03333 440 129

What is general contractors’ insurance?

General contractors’ insurance is a specialised insurance policy which provides cover especially for builders and contractors. We understand that, as a contractor, you experience a wide variety of unique situations in your job that could cause a significant problem to yourself or your business so we build your insurance cover around this.

What cover does general contractors’ insurance provide?

With general contractors’ insurance, your business will have all of the common covers you’d expect and then some. It works like a pick’n’mix system in which you can choose which covers suit you best and what level of cover your own business requires.

The common types of cover included in a general contractors’ insurance policy are:

  • Employer’s liability insurance – if you have employees, it is against the law for your business to not have employer’s liability cover, so this is a must for most contractor businesses. This law also covers freelancers, volunteers and casual workers so make sure that you aren’t breaking the law.
  • Public liability insurance – this vital cover protects your business if a third party is injured, or their property damaged, on your work premises or as a result of you carrying out your business. Public liability cover will provide help with legal fees or compensation, if such an incident were to occur.
  • Professional indemnity insurance – this type of insurance protects against your potential mistakes. If something you do in your work causes a project to overrun or cost more money then professional indemnity cover will help you to cover the costs of legal fees or compensation.
  • All risks property – provides cover and protection for your own and others’ property that could be damaged or lost as a result of you carrying out your business.
  • Business interruption – if your business was temporarily suspended due to an unforeseen circumstance then business interruption cover would help you financially during the time that the business is unable to trade.
  • Goods in transit – this protects your business goods (tools, materials, saleable items) during transportation and will pay out to repair or replace damaged goods.
  • Personal accident – this cover can be taken out for yourself and your employees and provides vital cover for an individual if they are injured onsite. It can pay out to help with mortgage repayments and living costs if you were unable to work for a temporary period.

Is general contractors’ insurance right for me?

General contractors’ insurance is for any contractor who is looking for a way to protect themselves against the unexpected circumstances that can occur in the job. Whether you do straightforward domestic installations, complex commercial applications or even full neighbourhoods or industrial warehouses, we can help you to find the right cover for your contracting business – at the right price.

Heavy contractors that work in piling, scaffording and bridge/sewer work may need a more specialised policy to get the best for their business, though, so be sure that you’re getting the right deal for you.

If you’re unsure about whether general contractors’ insurance is right for your business, or if you just want to find out more or start your quote today, get in touch with our team by filling out our form or calling our team of experienced brokers on.

“”

Working alongside One-Direct is a real joy. They are very helpful to us at Care after Combat in providing insurance solutions and advice that meet our needs. As a charity, we find their products reliable and more importantly they deliver… they do what is says on the tin!

Jim Davidson OBE “”