From principal contractors managing multi-million pound builds to sole-trader electricians and agricultural operators — cover built around your specific trade and contract requirements.
Contract requirements, design liability, plant exposure and subcontractor risks demand specialist placement — not a generic tradesman's policy.
Most JCT and NEC contracts specify minimum insurance limits and specific cover types. Standard policies rarely satisfy these requirements without endorsement.
Design-and-build contractors carry professional liability for design decisions — a risk excluded from most public liability policies and requiring separate PI cover.
Damage to or by hired-in plant is frequently excluded or sub-limited. Owned plant often needs separate cover beyond standard EL/PL.
Principal contractors may be vicariously liable for the actions of subcontractors — coverage varies significantly between policies.
Demolition, structural works, hot works and works at height carry higher risk profiles that require specific insurer approval and additional wording.
A poor claims record can restrict access to bonding, cause tender disqualification and limit insurer appetite — risk management matters from day one.
Structured around your trade, your contracts, and your specific risk profile.
Employed staff & labour-only subcontractors
Third-party injury & property damage
Contract works, plant & third-party liability
Design responsibility & specification liability
Owned & hired-in plant and machinery
Trade tools, equipment & materials
Vans, HGVs & specialist vehicles
Client contracts, project data & CAD files
Each trade and contract type carries a distinct risk profile. Here's what matters for yours.
Principal contractors carry vicarious liability for the whole site — including the actions of subcontractors. Your insurance programme needs to reflect the full contract value and the risk of design decisions.
M&E contractors often carry design responsibility alongside installation. A faulty system causing property damage or business interruption can generate claims far exceeding the contract value.
From domestic rewires to commercial fit-outs, electrical contractors face significant liability for fire damage arising from their work — often years after project completion.
Agricultural businesses combine employer, vehicle, machinery, livestock and property risks in a single operation — often requiring specialist rural insurers with appetite for the full risk profile.
Interior contractors working on occupied commercial premises face property in care risk and often need to satisfy retailer or landlord insurance requirements before work begins.
High-risk trades require specific insurer approval. Roofing, groundworks and civil engineering contractors frequently encounter exclusions on standard PL policies that can leave significant gaps.
Attach your existing policy documents — we'll benchmark your cover against the market and flag any gaps relevant to your trade.