Contractors Insurance
Specialist Cover for All Types of Contractors — Including the Difficult to Place
At Commercial Risks (UK) Ltd, we specialise in providing tailored insurance solutions for contractors across a wide range of sectors; from small independent builders to complex, high-risk operations with specialist exposures. Whether the issue is high claims frequency, unusual trades, or distressed financials, we pride ourselves on finding solutions where others decline.
We can accommodate annual policies, project-specific covers, and contractor portfolios, either via open market placements or dedicated schemes backed by Lloyd’s and specialist insurers.
Who We Cover
We provide bespoke insurance cover for a wide range of contracting risks, including but not limited to:
General Building & Allied Trades
- Builders, bricklayers, roofers, joiners, plasterers, decorators
- Renovation and refurbishment contractors
- Groundworkers and civil engineers
High-Risk or Specialist Contractors
- Scaffolders, steel erectors, demolition contractors
- Cladding and insulation contractors
- Contractors involved with EWI systems or combustible materials
MEP & Engineering Trades
- Electrical and mechanical contractors
- HVAC, ductwork, plumbing, sprinkler and fire alarm installers
Construction Project Managers & Principal Contractors
- With responsibility for multiple subcontractors and site risk management
- Including clients under CDM Regulations 2015
Labour-Only Subcontractors & Bona Fide Subcontractors
- Policies structured to reflect legal responsibilities and contract conditions
Contractors with Adverse Risk Features
- Previous claims or loss history
- Lapses in cover or periods of non-insurance
- High-risk locations (e.g. London, coastal erosion zones)
What We Offer
We provide flexible insurance programmes covering a full spectrum of contractor risks, including:
Contractors All Risks (CAR)
- Works in progress
- Owned and hired-in plant
- Temporary buildings and site contents
Public & Products Liability
- Up to £10m limits as standard (higher on request)
- High-risk trade accommodation
- Height and depth work covered as required
Employers’ Liability
- For PAYE, casual labour, apprentices and subcontractors
- ERN declarations and IR35-compliant wordings
Professional Indemnity
- Design and construct exposures
- Duty to warn, inadequate design or specification issues
Property & Fleet
- Contractors’ yards, storage units, tools
- Commercial vehicle and motor fleet insurance
Contract Performance Bonds
- Bid bonds, advance payment bonds and performance guarantees via specialist partners
Our Strength in Placement
We have long-standing relationships with underwriters across:
- Lloyd’s of London
- Specialist MGA markets
- A-rated company insurers with construction appetite
Where risks are difficult to place due to:
- Claims activity
- Specialist nature of the work
- Contractual obligations or site conditions
We present them with a full risk narrative, appropriate documentation, and a realistic view of how the risk is being managed.
Why Choose Commercial Risks?
- Specialist Knowledge: We understand construction, not just insurance. We speak your language.
- Fast Turnaround: We work quickly to support tender deadlines and compliance requirements.
- Risk-Accepting Attitude: Difficult doesn't mean impossible. We’ll always try to find a route.
Talk to Us
We are happy to consider one-off projects, annual contractor policies and portfolios or scheme-based business.
Call us: 020 7702 2103
Email us: info@commercialrisks.co.uk