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Contractors All Risk Insurance

Comprehensive All Risk Insurance available with all Tradesman Saver policies

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Tradesman Saver’s Contractors All Risk Cover

Our standard cover is:

  • Up to £500,000 cover for loss or damage to building works
  • Up to £75,000 cover for theft or damage to construction plant, tools, and equipment
  • Up to £20,000 cover for damage to temporary buildings
  • Up to £50,000 cover for damage to hired-in property, plant, tools, and equipment

Our affordable contractors all risk insurance is active from the moment your purchase is complete. If you need extra cover for specific jobs, give our helpline a call and our team will be happy to arrange the cover needed.

The price of our CAR insurance depends on the amount of cover you choose, and whether you need insurance for specific industries. We offer optional contractors insurance as add-ons for specific jobs like flooring, drainage, or roofing, depending on what you need. This cover is available as an extension for our Tradesman Saver public liability insurance policy.

At Tradesman Saver, all our insurance policies include public liability, products liability, financial loss, legal expenses, and accidental death cover as standard.

Please note that contractors all risk cover is an optional cover that you can add to your policy alongside cover for your public liability.

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What’s included with our Automatic Cover

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What is contractors all risk insurance?

Contractors’ all risk (CAR) insurance offers you coverage for property damage and third-party claims of injury or damage. These are the main risks associated with most construction projects, which is where you’re most likely to find contractors at work. A third-party claim can even come in from a subcontractor who you may not have previously worked with.

At Tradesman Saver, we understand the stress that comes with running your own business as a contractor, without the added hassle of ensuring you’re well protected in the event of any legal wranglings.

If you do find yourself facing a claim from a third-party, you can rest easy knowing that you’re well covered with our insurance package, meaning you don’t have to worry about the financial costs.

Why do you need contractors all risk insurance?

As a contractor, you will likely be working with specialist tools, in high-risk situations like construction sites. Our dedicated all risks insurance policy will cover any contract work, your own plant, tools and equipment, employee tools, hired-in plant, and temporary buildings erected during construction. The policy also includes contract works insurance policy, which covers you financially for any repairs on site, or if you need to redo the work you were contracted to complete, due to causes like fire, flood, storms, vandalism, or theft.

Having the right insurance policy in place means you won’t have to pay out of your own pocket in the event of any accidents or issues outside of your control. Without this cover in place, you risk losing money on court cases, replacing damaged or stolen tools, or even having to entirely alter your work. Our contractors all risk insurance policy keeps you and your business safe throughout any contracted projects you’re working on.

Unlike public liability, contractors all risk cover is not an automatic cover, it is an optional cover which can be added to your standard Tradesman Saver policy.

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Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as at 31/03/2022
£50 from
me to you.

When a friend you refer takes out a new policy, we’ll give £25 to them, and £25 to you.

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Contractors All Risks Insurance: Frequently Asked Questions

Can I get cover for my materials while on-site?

Yes. Your stock and any materials used are covered for jobs around the UK as part of the plant, machinery, tools, and equipment section of the policy. This includes any hired-in plant, such as diggers, up to a maximum of £50,000 for any one item.

Am I covered for tools stolen from an unattended vehicle?

Yes. As part of our policy, you will be covered for any tools or material stolen from unattended vehicles. However, this will incur a higher excess charge, so it’s best to exercise caution and keep your vehicle attended when possible, and also remove tools from your van overnight.

Will my contractor’s all risk insurance cover the existing structure if I am building an extension?

No. The contract works portion of the policy covers ongoing work on-site, but the landlord or homeowner will need to arrange for insurance separately in order to keep the whole building covered.

Why do you need contractors all risk insurance?

When working on a construction site, your work is likely to take a prolonged period of time, and you want to make sure your ongoing job is suitably covered. In the event of unforeseen damage, such as a flood or fire, this policy will cover the cost of anything which needs to be repaired or re-done, so you won’t end up out of pocket.

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 19% of new customers paid less than £59 between 1st January 2021 and 28th February 2021. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2022 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register.
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