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Contractors All Risks Insurance
Contractors All Risks Insurance policies (also known as Contract Works Insurance policies) are specially designed for builders and a number of other trades working at a contract site.
Contractors all risks insurance policies principally cover the contract works for 'all risks', but can also include additional cover for own plant, hired-in plant, employee's tools and public and employers' liability insurance.
As mentioned above, the main part of the contractors all risks insurance is the contract works section which provides cover for the value of the new materials and property being used on a project (e.g. new house, etc.). However, where there is an existing property (e.g. the existing structure when building an extension), cover for the existing property is excluded and must continue to be insured under its own insurance cover by the property owner.
The contract works includes both the permanent works including unfixed materials and temporary works (e.g. scaffolding, access roads, etc.) on site anywhere in the UK, while in the course of construction until handed over by the contractor on practical completion.
If required both own plant (e.g. cement mixers, generators, excavators, etc.) and hired-in-plant (e.g. dumpers, excavators, mobile cranes, etc.) can also be insured as part of the contract works cover.
Public and employers liability insurance can also be added onto your contractors all risks policy to cover your legal liability for any employees or sub-contractors that you use as part of your work.
Contractors All Risks Trades Covered
Typical contract trades for Contractors All Risks insurance cover would be general building contractors, property developers, air conditioning/heating engineers, double glazing installers, electricians, shopfitters, bricklayers, carpenters/joiners, ceiling/artexing, plastering/partitioning/dry lining and floor/wall tiling contractors.
Free Contractors All Risks Insurance Quotations
To apply for your contractors all risks insurance quote, please phone us on 01623 641 386 and one of our insurance advisers will be pleased to help.
Office hours are 9.00 a.m. to 5.00 p.m. Monday to Friday.
Alternatively, you can submit your details on our on-line contractors all risks insurance quote form and one of our insurance advisers will contact you shortly.
As an award winning independent insurance broker, we will search the insurance marketplace on your behalf from a wide range of insurers including AXA, Aviva, Allianz, HSB, NIG, Lloyds of London, QBE, RSA, Thistle Underwriting and Zurich to ensure that you obtain the very best cover at the most competitive premium.
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