Construction & Contractors insurance

Your business is important, let us help you protect it

Home > Business Insurances > Construction & Contractors Insurance

Why do I need insurance?

We hope insurance will never be needed, but in the event of injury to employees or the general public, damage to or theft of property, equipment or stock, illness, prosecutions, or tribunals, then insurance could save you and your business. In addition, the construction industry has moved into an era where safety, regulations and legislation ensure that insurance forms part of a contract. We can help identify the specific insurance required for your construction business, including Non-negligence insurance, also known as JCT 6.5.1 or JCT 21.2.2.

ambitious-studio-rick-barrett-wnNnlsFX8u8-unsplash (1)

What should Construction and Contractors insurance cover?

A small contractor or construction firm may just need:

Public liability

Products liability

Employers liability

Business interruption

Contract works / Contractors all risks

Tools and equipment

Plant machinery

Frequently asked questions

What cover might a large construction or contracting organisation require?
A larger construction or contracting organisation may also require:
Office Contents
Buildings
Business interruption
Professional Indemnity
Cyber
Non Negligence
Efficacy
Vehicle Fleet
Bonds & Surety
Latent Defects
Personal Accident
Private Medical
Travel
What about insurance for specialist contracting trades?
As a contractor, the type of work you engage in will dictate the extent of insurance your require. For example, cleaning contractors have some different risks to those in the fire and security industry – click on the links to find out more. Similarly, other professions may mean finding insurance is problematic, such as for scaffolders, roofers, if you’re working on a listed building, asbestos removal, offshore work or in demolition, for example, and that is where an insurance broker can be invaluable in finding you the right insurance.
How much does it cost to insure a construction or contractor business?
How do I get a quote for construction & contractors insurance?
We believe the best way to get you the cover you need at the right price is to discuss your business, determine what you do and do not need then we will approach our wide panel of insurance companies and underwriters to get you quotes. By using an independent broker like Sutcliffe and Co you are saving time and removing the hassle and risk of trying to navigate the complicated world of insurance, you will also be reassured that your broker is working on your behalf to get the right cover at the right price.
If you would like to get a quote for construction or contractors business, contact one of our team. We can offer the correct cover for the right price, whilst taking away the hassle.
How easy is it to get construction & contractors insurance?
Depending on the size and complexity of your business, cover can be as simple as a handful of questions for smaller firms, whereas larger businesses with more specific requirements would need an in-depth call or visit with one of our professional team members. Once we understand your business, we can access specialist underwriters to create a bespoke and personalised policy that covers all your needs.
What are the legal requirements for construction & contractors insurance?
Most insurance is not a legal requirement, except statutory cover such as motor insurance and employers’ liability. A more likely compulsory requirement would be in contracts, for example JCT wordings often specify that the contractor should have Public & Products Liability, perhaps including Non Negligence and Efficacy extensions, plus Contract Works and Professional Indemnity. Bonds are also a common contractual requirement
However, any well run business will want to ensure it has adequate protection for others and themselves, there are countless examples where things have gone wrong and insurance has made the difference.
Contact us to find out what insurance coverage your business needs to keep within the law.
Why you should choose Sutcliffe & Co. for your construction & contractor insurance.
Sutcliffe & Co are an independent brokerage, which means we can approach a range of insurance companies to find you insurance that is right for your business at a competitive premium. At renewal, we can review the market again to ensure that you are not paying too much. In the event of a claim, we are there to help you obtain a speedy and fair settlement. And if you ever have a question or want to make changes we are just a phone call away.
If you would like to receive professional advice, please contact us.

Your business is important let us help you protect it

Get in touch with us and see how we can assist your construction and contractors insurance needs.

Get a quote

Construction & Contractors insurance

Your business is important, let us help you protect it

Why do I need insurance?

What should Construction and Contractors insurance cover?

Public liability

Products liability

Employers liability

Contents

Business interruption

Contract works / Contractors all risks

Tools and equipment

Plant machinery

Frequently asked questions

Your business is important let us help you protect it

Latest news & resources

Silicosis: A Hidden Health Risk That Your Business Needs to Cover

SUTCLIFFE & CO CELEBRATES THE SUCCESS OF WORCESTER CITY RUNS 2025

Business Side Hustles – what insurance do I need?

Looking for honest, impartial insurance advice?

A personal service in a commercial world

Our insurance