Contractors All Risks including Plant and Equipment

Our clients are both commercial and domestic construction companies where exposures lie during the building or construction process. customers will typically be commercial building contractors who may also use contractor’s plant and equipment in their day-to-day business We focus for middle-market commercial businesses which operate with turnover ranging from £200k to £10m but can place larger risks where required.

Coverage includes:

  • Contract Works and Materials
  • Plant Owned
  • Personal Effects
  • Other Property Continuing Hire Charges
  • Plant Hired


Coverage typically includes:

  • Automatic increase: up to 25% of the limit of liability stated in the schedule, during the period of insurance.
  • Expediting expenses up to £50,000 incurred to avoid delay in completion of contract works following damage
  • Breakdown of plant hired or plant on free loan
  • Storage up to £250,000 at any location within the territorial limits other than the site
  • Subcontractors includes subcontract works for which the Insured is responsible:
    • Basement Contractors
    • Bricklayers/Ground workers
    • General builders including enabling works
    • Carpentry & Joiners
    • Steel erection
    • Construction plant maintenance & repair
    • Electricians
    • Flooring contractors
    • Civil engineering
    • Office and shop fitting
    • Painting & decorating
    • Insulation contractors
    • Roller shutter installation
    • Shelving and racking installation
    • Plumbing
    • Stone and Masonry cleaning
    • Plastering/Dry lining/Ceiling contractors
    • Formwork, Shuttering


  • Packages include but are not limited to:
    • Contract Works
    • Employees Tools
    • Contractors Plant & Equipment
    • Hired-in Property