Contractors Insurance

Protect Your Contracting Business with Tailored Cover from DPI Insurance

Contractors face multiple risks every day — on-site accidents, theft of tools, liability claims, not to mention the burgeoning health and safety and risk assessment (RAMS) obligations. At DPI Insurance, we help contractors protect what matters most with specialist Insurance designed with the sector in mind.

We work with underwriters who understand the unique requirements of contractors, enabling us to recommend tailored policies designed specifically for the trade.

Our professional team of chartered insurance trained experts work closely with you to understand your risks and secure a policy that truly fits your business. Whether you’re a builder, plumber, electrician or specialist contractor working at height or at high-risk locations we’ll find comprehensive, competitive cover from a panel of A-rated insurers, specialist underwriting agencies and the Lloyd’s market to suit your needs.

Experienced contractors know that issues rarely arise when purchasing insurance, but when making a claim. DPI differentiates itself by conducting detailed fact-finds, delivering professional advice and arranging comprehensive policy wordings to suit all contractor’s needs. Our depth of knowledge ensures you are fully protected, not only at the point of purchase but, critically, when a claim occurs.

Why Your Business Needs Contractors Insurance

Working as a contractor involves juggling multiple risks. Even a small incident on-site can lead to expensive claims, legal action or project delays. Contractors’ insurance transfers those risks to an insurer — providing financial protection, legal compliance and peace of mind.

Benefits include:

• Financial protection against third-party injury or property damage claims
• Cover for own tools, hired in plant and contract works
• Legal compliance with employers’ liability and public liability
• Peace of mind with a single, straightforward insurance policy

Contractor’s Insurance isn’t just a safety net — it’s an essential part of keeping your business running smoothly and safeguarding your reputation.

 What Does Contractors Insurance Cover?

Every contracting business is different. That’s why our brokers take time to understand your business — from your worksites and machinery to your workforce and contracts. We then recommend the right mix of covers to protect your entire operation.

A comprehensive Contractors Insurance policy may include:

• Public Liability Insurance – Covers legal liabilities arising from injury or property damage to third parties caused by your business activities.
• Product Liability Insurance – Offers protection against claims for bodily injury, property damage or financial loss resulting from products you supply or distribute.
• Employers’ Liability Insurance – A legal requirement if you employ staff, covering injury, illness or disease claims from your employees.

Optional Additional Covers:

• Contract Works Insurance – Provides cover for ongoing construction projects, including materials, temporary structures and existing structures against fire, theft, accidental damage and other insured perils.
• Tools & Equipment Cover – Protection for your own tools, plant and equipment.
• Hired-In Plant Insurance – Covers plant and machinery you hire from others, often including continuing hire charges.
• Goods in Transit – Covers materials and equipment when being transported between locations.
• Professional Indemnity Insurance – For contractors who provide design, consultancy or advisory services.
• Personal Accident Insurance – Pays a weekly benefit or lump sum if you or key staff are injured
• Cyber Insurance – Protects against financial loss from cyber-attacks, data breaches or IT system failure.
• Directors and Officers Liability – Covers company directors and officers against claims of wrongful acts in managing the business.

What Happens if You Need to Make a Claim?

If the unexpected happens, our dedicated claims department is here to help you every step of the way. We know that a swift, fair settlement is vital to keeping your business on track.

When you contact us:

• We’ll listen carefully to understand your loss.
• We’ll liaise directly with your insurer to progress the claim efficiently.
• You’ll be kept updated throughout the process until resolution.

Call 0161 763 5277 (Option 3) or email claims@dpi-insurance.co.uk to start your claim.

How Much Does Contractors Insurance Cost?

The cost of your insurance will depend on several factors, including:

• The business activities of your contracting firm and the risks involved.
• Your turnover, wage rolls and number of employees.
• The core cover is liability, but premiums will vary if you add optional sections such as contract works, tools cover or hired-in plant.
• Your claims history and risk management measures.
• At DPI Insurance, we use our strong relationships with major insurers to negotiate competitive premiums and preferential cover terms on your behalf. You’ll receive a policy that balances comprehensive protection with great value.