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Contractors All-Risks Insurance

Need flexible, affordable, contractors all-risks insurance? Let Fortify Insurance compare our markets to find you quality cover.  Our 4.9/5 Google-rated team can find you the right cover at the right price for your needs.

Affordable Contractors All-Risks Protection

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What Is Contractors All-Risks Insurance?

Contract all risk insurance, and contract works insurance, are specialist forms of protection that are designed to serve the needs of builders and the construction industry.  On a single policy you can get protection for several risks, including contract works, public liability, product liability, employers’ liability, owned plant, and hired-in plant.

This cover requires specialist knowledge, and thanks to our close relationships with a range of leading insurers – household names including Aviva, RSA, and Axa – we can find you affordable, flexible high-quality contractors all-risk insurance protection.

If you’d to know or would like to get a contractors all-risks insurance quote, then please call us on 01733 301520.

Who Needs Contractors All-Risks Insurance?

Anyone working on or running a building or construction site should consider getting a contractors all-risk policy, especially if you’re entering into Joint Contracts Tribunal (JCT). Our team will get to know your business’s operations and what your contract with your client says you need to design a policy that gives you the protection you require.  If your business is smaller – say if it has less than 10 employees and pays less than 35% of its annual turnover to subcontractors, then you’ll have the option of having your policy packaged as a tradesmen insurance policy.

What Kind Of Businesses Can Be Covered?

At Fortify Insurance we can protect a wide range of construction and building firms, everything from large construction companies down to solo builders. 

What Can Contractors Risk Insurance Protect Your Business Against?

A typical policy can offer firms protection including:

  • Contract works – this will help protect work in progress on a site in the event of damage before responsibility has been handed to the principal. Contract works also covers any loss or damage to the property and materials

 

  • Public liability – public liability cover is there in case your business causes harm to others or to someone’s property. For example, it would protect you if a member of the public was hit by something falling from a scaffold and sues you for damages.  Should this happen, then your public liability cover will help with legal fees and any compensation pay-out should one be awarded

  • Employers’ liability – do you have any employees? If so, even if they are part-time or temporary, it is a legal requirement to have employers’ liability insurance in place.  Failure to do so can mean a fine of up to £2,500 per day.  Employers’ liability will protect your business if a member of staff becomes ill, is injured or their property is damaged while working for you and they decide to take legal action against you.  Just like public liability, this will help cover legal fees and any compensation that is paid out to employees

  • Product liability – did you know that if products you use, recommend, manufacture or sell cause problems that you can be held liable for damages? Protecting yourself against the risks that these products can cause is important.  Products liability insurance can protect you if your products cause injury or illness and legal claims are brought against you

 

  • Owned plant equipment – helps protects against damage to your plant and equipment while in your possession or while hired out. It covers things such as scaffolding, temporary buildings, site office contents and site welfare facilities

 

  • Hired-in plant equipment – hired-in plant and equipment insurance covers your legal liability under the terms of your hire agreement to pay compensation for damage to hired-in plant, while in your possession

 

  • Employees tools cover – protects against damage to personal tools and effects belonging to an employee

Contractors All-Risks Insurance

Frequently Asked Questions

Contract all risk insurance can be complicated – especially if you’re working on a large project. To help you get the protection you need, here are a selection of frequently asked questions about contractors cover:
No, but the level of protection it affords makes it one that is well worth considering.

That will depend on factors such as the size of the project, the value of the project, the level of security on the site, and the value of the equipment you have there. 
If you’d to know more or would like to get a contractors all-risks insurance quote, then please call us on 01733 301520.
Risks that we get asked about that aren’t included are things like professional indemnity and directors’ and officers’ insurance.  These can be easily arranged for you, so please call Fortify on 01733 301520.
The main ones are non-negligence (also known as JCT 6.5.1.) which protects against claims should there be damage to a neighbouring property due to the works carried and which are not the result of negligence.  The other is business interruption.  This provides protection against the loss of income from being unable to trade as a result of an insured event (i.e., property damage). A contractor’s all-risk policy will help protect against the consequential loss of the interruption to trade by indemnifying the policyholder for the loss of income.
‘All-risks’ is a type of policy that doesn’t name all the insured perils that are covered by the policy. For example, fire, flood, storm, flood, etc.  All-risk means the policy will respond to all causes of damage to the works in progress.

Get A Contractors All-Risks Insurance Quote

If you’d like an affordable, flexible contractors all-risks insurance quote,then call Fortify on 01733 777789 or click here to start your quote. Our team of specialists will search our markets to find you the right policy at the right price to keep your business protected.
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