Contractors Insurance

If you are a building contractor or undertake any work involving the construction or installation of a project, a contractors policy may well be right for you.

Contractors Insurance

At Haxon, we can evaluate your needs and find the cover that fits your needs. Contractors insurance typically covers core areas such as combined liability and contract works. Other sections available can include own plant cover and/or hired in plant. The product is designed to protect you against public and employers liability claims and also the cost to rectify damage to a project, or even total loss before completion. Contract works cover extends to include the building works and materials.


Contract Works cover can also be obtained separately to a Contractors policy.


  • Both residential and commercial projects can be covered.
  • Contractors insurance is not limited to buildings. Cover can be obtained for all types of different projects, stone masonry, rail work, bespoke installations etc.
  • Covers projects on an All Risks basis, meaning any damage subject to the terms, conditions and exclusions of the policy.
  • Cover for materials whilst kept on site.
  • Cover enhancements can be available – damage to property worked upon, faulty workmanship, professional negligence.
  • Damage to own plant or hired in plant

  • What does Contract Works Insurance cover?

    This type of policy can also be known as ‘Contractors All Risks Insurance’, but we don’t just do insurance talk here at Haxon. What this type of policy covers is the costs of things that could go wrong, whether that’s damage to a project or even a project that’s totally destroyed. The insurance product would typically cover the replacement of works, as well as any debris removal and any new materials required. It can mean that the works can be reinstated without having to find the additional funds.


    Contract Works Insurance policies can be flexible, where you may require one for a single project, or it can be on an annual basis to cover a certain value of contracts.

  • What does Contract Works Insurance cost?

    Like a lot of insurance policies, it will vary depending on the project size and the tasks that are involved. Get in contact with our Contractors team to get a bespoke quote.

  • Who requires Contract Works Insurance?

    Although it is not always a known fact, but anyone can request Contract Works insurance. If you have a self-build project for example, where you would be managing the construction, it would be sensible to have this type of cover. But the more stereotypical users of these policies are building contractors or general contractors undertaking installations of any type of works.

  • Is Contract Works Insurance the same as Contractors All Risks?

    Generally speaking, a Contractors All Risks policy is coverage that can include several sections of cover, one of which being Contract works.

  • Do subcontractors need Contract Works Insurance?

    The main contractor is generally responsible for Contract Works Insurance but this will depend on what has been agreed and/or what is stipulated in the contract, so a subcontractor wouldn’t typically require this cover.

Request a CONTRACTORS   insurance quote