Contractors Insurance

What is Contractors All Risks / Contract Works Insurance?

Contractors All Risks or Contract Works insurance policies are the products required by contractors. Building sites are hazardous environments and a significant amount of expensive materials, machinery & plant pass through them each day. Talk to our expert business insurance team at JPM Broking Services, we can risk assess your business and put together a bespoke package with all the builder’s cover you really need. All topped off with easy payment options and an affordable quote that won’t send your costs through the roof.

Expertly building your bespoke policy

For anyone in the construction industry, public liability insurance is a major ‘must have’, even though it is not a legal obligation. You are unlikely to win contracts without proof of PL cover. Cover for your tools, equipment and vehicles is also crucial, as is protection for your own plant and hired in plant. Personal accident insurance is particularly advisable because of the inherent risks of building work. And you are likely to need employers’ liability cover – it’s obligatory in many cases, even if you employ just a single member of staff or carry out work with contractors. All of the above can be grouped into the same policy.

What your Contract Works cover can include:

Public liability	Contract works
Employers’ liability	Hired in plant
Tools & equipment.	Own plant
Vehicle cover – or fleet cover if you run three or more vehicles	Directors and Officers policies can be provided for those operating limited companies. This is important to help protect against claims made against you personally as a director or senior manager of the business.
Contractor’s all risks cover	Personal accident insurance – particularly important because of the inherent risks of building work