Contractors All Risks Insurance

Contractors are not immune to liability claims, to cover your business ask us about our Liability Insurance for Contractors

Liability insurance is designed to protect you against claims from your own employees or the general public. Typically, these claims will be brought for accidents and injuries at work, but you may also need to be covered for damage to property owned by a customer or a third party, depending on the nature of the work you do.

There are several different types of liability insurance and the type you require will depend on the nature of your business, although one of these is compulsory if you employ staff.


1. Employers’ liability insurance covers your obligations to your staff, ensuring you are adequately protected if your employees happen to make a claim against you. Employers’ liability insurance is a legal requirement for any company that has employees.

2. Public liability insurance will ensure you are protected against compensation claims from the public in the event they are injured or their property is damaged by your company. Public liability insurance will also cover you in the event of an accident on your premises, for example, when a member of the public visits your office. It also covers mistakes made by your company which you can be held liable for: for example, faulty workmanship which then causes damage in a customer’s home.

3. Product liability insurance covers your company in the event that your product or service causes injury or damage to a person. In some circumstances, you can be held liable for damage or injury caused by a product even if you did not make it and only acted as a supplier of the product.


The one year policy option is our most common, as it provides a cost-effective way to ensure all work is undertaken with full protection, without the need to repeatedly seek a new policy each time a job begins. However, the project insurance option does mean that you cut down on the administration involved in each contractor taking out their own insurance policy. This also cuts down on costs for the contractors involved.

To explore options for our ‘all risks’ contractors insurers, contact aba today and speak to one of our experienced insurance advisers.