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Contractors all risk insurance

Our fully trained staff are the reason we are specialists in construction insurance. We understand your trade and the type of insurance it may need.

Why choose

  • We have been established in this business since 1990
  • Our contact centre is based in the UK
  • Our employers' liability insurance comes with £10 million cover as standard
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Do I need contractors all risk insurance?

If your contractors typically work on a whole range of different construction sites then you can keep your business safe with contractors all risk insurance. With a vast variety of different work places comes an equally diverse range of different risks and perils – all of which may threaten your ability to be able carry out the work you have been contracted to do.

Although construction sites are likely to vary from one place to another, they share a common threat which is the risk of theft, loss, or damage to tools, equipment and materials you own and use. Not only are all of these expensive to buy and replace, but they are essential to you being able to do the job. Without them, you are likely to be unable to fulfill your obligation to complete the contract in the required time which could in turn result in further financial costs being incurred by you.

The risks may be many and varied – ranging from fire, floods, storms, malicious damage, vandalism and theft. Contractors all risk insurance is designed to protect you against all such risks and more.

Weigh up the risks and think if your business benefits from having a contractors all risk insurance policy in place.

What is contractors all risk insurance?

Contractors all risk insurance is designed to offer you the protection you need for the tools of your trade, the plant and equipment you may be using on site, and the materials required to get the job done.

Contractors all risk insurance offers one of the most comprehensive methods for protecting physical works, drawings, temporary buildings, tools, plant and equipment that you may be using on your construction site. This form of cover gives you the ability to choose the cover to meet your precise needs and requirements.

What is included in contractors all risk?

Contractors all risk insurance typically includes cover for the contract work undertaken and provides cover for the building works itself, whether completed or in progress. It also includes cover for all materials which are stored on or immediately next to the site on which you are working.

Tools, plant and equipment cover is provided against the theft, loss or damage of all your tools, plant and equipment, including those which have been hired in for use on the site. We can also provide cover for temporary buildings such as huts and storage areas. Contractors all risk insurance typically provides cover for loss or damage to such structures and any plant or tools stored within them.

The replacement of architects’ drawings is typically included in this type of insurance. Once the building works have been completed and homes are awaiting onward sale, it is common for contractors all risk insurance to extend cover until the property is sold or for a given number of days following completion of the work.


  1. UK based contact centre trained to help you with your insurance queries
  2. Contractors all risk insurance from £280*
  3. Flexibility to adapt your policies throughout the year
  4. Since 1990, we've been helping businesses find the cover they need to stay protected

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Before insurers quote you a premium for your contractors all risk policy, they will first consider a number of factors in…

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Sometimes temporary site buildings are automatically included in a contractors all risk policy as long as these are the insured works originally…

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The amount you require will usually depend on the highest contract value that will…

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Since contractors all risk insurance aims to provide comprehensive cover within a single policy there are typically a number of additional options which you might want to consider. These might include, for example:

  • Demolition and site clearance costs following a major insured event
  • Engineers or other professional fees incurred during the investigation of repairs
  • Costs associated with the clearance or cleaning of drains
  • Cover for insured items whilst in transit

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