niceic contractors all risk insurance

Contractors All Risk Insurance

Contractors all risk insurance for tradesmen. Contract works, public and employers' liability and optional extras.

Contractors All Risk Policy Definition and Coverage

Contractors all risk insurance is a comprehensive cover that protects work in progress as well as building materials, tools, property damage and third-party injury or damage. It usually includes contract works insurance, public liability insurance and employers’ liability insurance.

Contract works covers work in progress, building materials and tools, public liability covers third party injury and property damage, and employers’ liability covers any employees you have. Contractors all risk insurance normally covers damage caused by extreme weather, vandalism and construction faults, but will not cover general wear and tear, negligence or poor workmanship.

Why do You Need Contractors All Risk Insurance?

When working on construction projects there are many risks that you may face. Whether you are a sole trader or you employ a team of contractors and subcontractors you need to ensure that you are covered for all of these risks. Contractors all risk insurance can protect against damage to tools, building materials, people and property. Property damage can include damage caused by improper construction, damage during a renovation, and damage to temporary structures like cabins and portaloos.

Contractors all risk insurance is often taken out jointly by employers and contractors to cover all parties working on construction projects. With this type of policy, where multiple parties are named, an employer can claim for damages caused by the contractor, but the insurer cannot recover funds from the named contractor on the policy.

We at NICEIC Insurance work hard to provide you with the right contractors all risk insurance that meets all of your specific needs, and leaves out what you don’t need.

Our Contractors All Risk Insurance Cover

You can buy online and receive your policy documents in minutes. Alternatively, you can call us and we’ll complete a quotation over the phone.

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86% of our customers would recommend our service

We Offer as Standard*

  • Contract works – with £100,000, £250,000, and £500,000 limits.

  • Cover for tools and employees’ tools– from £1,500 to £5,000 per person.

  • Damage to temporary buildings.

  • Employers liability cover up to £10 million.

  • Loss or damage to building works.

  • Public liability cover – with limits of £2 million and £5 million, or £10 million for selected trades.

  • Theft or damage to construction plant, tools and equipment.

Optional Extras**

  • Goods in transit.

  • Increased efficacy cover up to £1 million.

  • Legal expenses.

  • Personal accident.

  • Professional indemnity up to £300,000.**

The Power Behind Your Business

NICEIC Insurance has the power to help protect your business and provide you with peace of mind, so you can focus on providing the best service to your customers.

We have a contractors all risk insurance solution that’s comprehensive, flexible and affordable. The essential cover can be extended to include a range of optional extras, to deliver tailored protection to suit your individual circumstances.

Why Choose Contractors All Risk Insurance from NICEIC Insurance?

NICEIC Insurance is part of Marsh Commercial, an expert in insurance and risk management. We currently provide more than 35,000 business insurance policies for over 21,000 customers across the UK, so it’s safe to say we have the experience and expertise to help our business insurance customers obtain the cover they’re after, at the right price.

Whether you choose to buy your contractors all risk insurance online yourself, or if you would prefer us to guide you through the options available and arrange the cover over the telephone – we’re on hand to help should you need us.

Our support extends from the advice and expertise we provide at the start of your insurance, through to helping you make changes to your cover mid-term or at renewal should your circumstances change. In addition, if the worst happens and you need to make a claim we offer a dedicated advocacy service to look after you.

*As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.

**Subject to certain requirements.

Frequently asked questions

Contractors all risks insurance is a type of policy that offers cover for ongoing work on a contract site. It typically includes cover for your contract works, your own plant, your tools and equipment, your employees' tools, hired-in property and temporary buildings during construction, as well as their fixtures and fittings. The 'all risks' element means that the policy will cover any loss except those specifically excluded from the cover. 'All risks' means that insurance cover is not limited to a pre-defined set of risks. Instead, it offers blanket protection against any and all risks, except those specifically excluded in the policy's wording.

86% of our customers would recommend our service

Saved me loads of money, what else can I say?

From NICEIC Customer
NICEIC Domestic Installer

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Our FREE no-obligation insurance health check will compare the cover, service and price you're currently getting against what we can provide you as a NICEIC member. We'll identify if you're missing out on valuable enhanced benefits – and potentially save you money. We also include electrical vehicle charging installation insurance as standard, at no extra cost.