If most of your work is on contract sites, there are a range of insurances you need to consider. Contractors insurance can bundle multiple covers under one policy for you, including but not limited to, public and products liability, plant & tools, and contract works insurance.

Here’s what Contractors Insurance can cover for you:

• Compensation claims for third party injury or death

• Costs to repair or replace property damaged by your business

• Cover for loss of plant and tools

• Loss of data and/or documents

Who needs Contractors Insurance?

Unless you have employees and are therefore legally obligated to have employee’s liability insurance, there is no legal requirement to have any cover set out under an umbrella contractors insurance policy. However, as some industry regulators and/or membership bodies require certain insurances in place you may wish to consider a contractors insurance policy.