Industries
Insurance for every kind of contractor
A drainage contractor, a demolition contractor and a plant hire business can all hold a plant policy and still face very different questions. Choose your trade to see the exposures that usually come up.
Cover is subject to underwriting and policy terms. Exposures described are things to assess, not assurances of cover.
Choose your contractor type
Each page lists specific exposures for the trade, the covers worth discussing and the information that helps us prepare a quotation.
- Civil contractorsContract works, liability, plant and guarantees for roads, stormwater, sewers, bridges and bulk earthworks.Covers to discussContractors All RiskPublic liabilityPlant All RiskSee civil contractors
- Building contractorsContract works, adjoining property, materials and subcontractors on building projects.Covers to discussContractors All RiskPublic liabilityGoods in transitSee building contractors
- Earthmoving contractorsPlant, transit, underground services and ground stability for bulk earthworks and site preparation.Covers to discussPlant All RiskOwned plantHired-in plantSee earthmoving contractors
- Road construction contractorsWorks near traffic, plant operations, asphalt and weather exposures on roads and highways.Covers to discussContractors All RiskPublic liabilityPlant All RiskSee road construction contractors
- Paving contractorsTools, small plant, vehicles, materials and client property on many short paving contracts.Covers to discussTools and equipmentPublic liabilityConstruction fleetSee paving contractors
- Drainage and sewer contractorsExcavation near existing underground services, trench collapse, flooding and pollution in drainage and sewer work.Covers to discussContractors All RiskPublic liabilityPlant All RiskSee drainage and sewer contractors
- Pipeline contractorsLinear projects, pipe storage and transit, crossings, landowners and testing for water, sewer and other pipelines.Covers to discussContractors All RiskPublic liabilityGoods in transitSee pipeline contractors
- Demolition contractorsSurrounding property, vibration, dust, hazardous materials and specialist underwriting for demolition.Covers to discussPublic liabilityContractors All RiskPlant All RiskSee demolition contractors
- Concrete contractorsFormwork and falsework, pumps and mixers, defective pours and spillage in concrete construction.Covers to discussContractors All RiskPublic liabilityPlant All RiskSee concrete contractors
- Plant hire businessesOwnership, hire terms, damage waivers and machinery use for businesses that hire out plant.Covers to discussOwned plantPlant All RiskPublic liabilitySee plant hire businesses
- Construction subcontractorsFlow-down requirements from the main contract, liability limits, tools and evidence of cover for subcontractors.Covers to discussPublic liabilityContractors All RiskTools and equipmentSee construction subcontractors
- Structural steel contractorsFabrication and erection, cranes, hot work, painting overspray and design responsibility for steel contractors.Covers to discussContractors All RiskGoods in transitPublic liabilitySee structural steel contractors
Guides for every trade
- Insurance after winning a tender: what to prepareWhat to do about insurance after a contract award: reading the contract’s insurance clauses, listing required covers and evidence, timing, and what to send your broker.
- Construction insurance checklist for contractorsA construction insurance checklist for a broker conversation: project details, contract requirements, covers, plant, subcontractors and comparing quotations.
- Documents needed for a construction insurance quoteA practical guide to the documents and information needed for a construction insurance quote: project, contract, plant, business and claims information.
Do not see your trade? Many contractors combine activities. Tell us what you do in the quote form and we will work out which of these pages and covers apply.
Tell us about your trade
Tell us about your work and your contract’s insurance requirements. We will review them and help arrange suitable cover.
Submitting an enquiry or requesting a quote does not put cover in place. Cover is subject to underwriting and policy terms.