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Contractors’ Insurance
Insurance for contractors
Business insurance for all types of contractors
Protect against claims made by clients and the public
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We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses
Get tailored cover to protect against claims from employees, customers & more
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What is...
contractor insurance?
Whether you work with machinery, give financial advice or work in busy areas, you’re likely to run into risks.
Injuries, damage or difficult situations could arise while you work. That’s why it’s best to have your back covered to protect yourself, your clients and the public should the worst ever happen.
Insurance for contractors can help protect against unforeseen events, and can help cover the costs of compensation and legal fees should you need it. It also provides peace of mind so you can focus on your work without worries.
Why is it important contractors have insurance?
If you’re a contractor, you’re probably used to working with lots of different people often, which means you could run into issues that could cause you a headache. For example:
- A client claims your work causes damage
- A client sues you for professional negligence
- A member of the public gets injured as a result of your work
- Your expensive tools or equipment get stolen
- You injure yourself on a job
Some clients may insist you have the appropriate insurance cover before starting a job, therefore, it’s essential to have sufficient insurance to help protect yourself while working.
What types of contractors can we cover?
Contactors’ is a broad term, but whatever your industry, you should consider insurance. As an example, we can help insure contractors in the following lines of work:
- Construction workers
- Tradesmen - (electricians, plumbers etc)
- Tile installers
- Floorers
- Landscapers
- HVAC
- Designers
- Framers
- Ventilation services
- Masonries
- Media, marketing & creative contractors
- Interim consultants
- IT contractors
- Banking and finance consultants
Industry not listed? We should still be able to help. Start a quote online to get started.
What type of insurance is available to contractor?
Policies will vary per provider for contractors insurance, and limits and exclusions apply. Always refer to your policy wording for details. The types of cover you need will largely depend on the nature of your contracting work, you might need the following:
Public liability insurance
In case you injure someone or damage something while providing your services
Professional indemnity insurance
In case a customer sues you for damages because of a mistake in your work.
Tool Insurance
Protects against theft, loss, or damage to your essential tools.
How much does contractors' insurance cost?
It’s difficult to give a solid figure for an annual insurance package for contractors, as it depends on the nature of your work. Costs depend on a number of factors including:
- Extent of cover - The more coverage you choose, the more expensive your package is likely to be.
- The nature of your work - The more risks you face day to day will play a part in how expensive your premiums are. For example, working from heights is riskier than sitting at a desk.
- Location – Where you work is taken into consideration when working out the price of your premiums.
- Claims history - Whether or not you’ve had previous claims made against you or you have made previous claims may affect your future premiums.
Can your policy be void for improper tool storage?
This depends on the conditions set out by your insurer, but it doesn’t always mean your policy would be voided, although you might not be paid should you make a claim.
Insurers often set out conditions to prevent theft so you may be required to lock away your tools and equipment in a place deemed ‘safe’ and not leave them out in the open or in or in your van overnight.
Always read your policy documents carefully to make sure you’re complying with the conditions. If you don’t and you make a claim, it might not be paid out.
Find an insurer with help from Bionic
At Bionic, we champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to help find you the right cover.
Our UK-based team helps business owners daily to compare insurance quotes. Start a quote online to get started.
Robust cover for construction projects. Protect your business, workers and sites with the right insurance protection.
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
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