Contractors Combined for General Building Contractors In Focus

Working in construction means managing risk on every project. From site safety and subcontractor liabilities to tool theft and contract disputes, having the right insurance in place is vital. Our free guide outlines the key covers building contractors should consider and why a tailored policy matters.

Download the Free Guide (PDF)

Executive Summary

This one-page guide outlines the core insurance protections recommended for general building contractors, whether you’re a sole trader or managing multiple projects across the UK.

Recommended covers include:

• Public liability: Covers injury or damage to third parties on-site

• Employers’ liability: A legal requirement if you hire staff or labour-only subcontractors

• Contract works: Protects the value of work in progress if damaged or destroyed

• Plant, tools, and equipment: Insures owned or hired-in machinery and handheld tools

• Professional indemnity: Recommended for those offering design or consultancy services

• Commercial vehicle insurance: For vans and transport used in the course of work

Why it matters:

• Construction is a high-risk industry with significant liability exposure

• Sites often involve multiple parties, increasing the chance of disputes or claims

• Without the right cover, you could be liable for significant legal or financial costs

• A tailored policy ensures you only pay for what you need and stay compliant

Ideal for contractors looking to review or build an insurance package that fits the way they work.