Contractors Insurance

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Depending on your size and your chosen discipline the insurance cover and policy limits you will need as a contractor will vary massively, contractor’s insurance can be a minefield, however, prestige risk management have the expertise and knowledge to make the process simple and hassle-free.

What cover do I need a contractor?

There are two very basic covers you will need as a contractor and these are Public Liability and Employers liability, however, there are a lot more sections of cover that can be added to the one main policy with the same renewal date.

Public Liability Explained

Public liability covers injury or damage to someone or something the cover starts at £1 million however you can get £2 or £5 million just as easily. If you are a contractor working for a larger contractor or if you are doing any council work or NHS work 99% of the time they will ask you for £5 million to begin with. However, you can start off at £1 or £2 and easily increase this in minutes to the 5 million midterms if you are asked to do so.

Employers Liability Explained

Public liability covers injury or damage to someone or something the cover starts at £1 million however you can get £2 or £5 million just as easily. If you are a contractor working for a larger contractor or if you are doing any council work or NHS work 99% of the time they will ask you for £5 million to begin with. However, you can start off at £1 or £2 and easily increase this in minutes to the 5 million midterms if you are asked to do so.

A lot of people are under the impression that if someone is working for free or volunteering they are not an employee. This is not true, when it comes to insurance an employee is someone working under your direction. For example, If you are a sole trader and it’s just yourself with a bag of tools the law does not apply to you until you take on one member of staff or a volunteer, however if you are a limited company and have more than one director it does apply.

Other sections of cover available to contractors

Professional indemnity insurance

Tool cover

Contractors all risks

Personal accident cover

Legal expenses cover

Premises cover

Ready to get covered?

Contact us to discuss how The Prestige Ltd can help you with your enquiry, quote or any other queries you may have.

Whatever sector you’re in we’ve got you covered

Protecting against the cost of loss, damage, contract materials and more.

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Commercial & Property

We cover all property owners insurance from commercial to buy-to-let properties.

Contractors

Protecting against the cost of loss, damage, contract materials and more.

Sole Traders

Protecting against the cost of loss, damage, contract materials and more.

Fleet Insurance

As a mutual organisation, our customers are our members.

Manufacturing

As a mutual organisation, our customers are our members.

Aviation

As a mutual organisation, our customers are our members.

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Insurance

Prestige specialise in commercial insurance broking and only employ highly qualified broking staff. We work with several indusrties from Industrial, Commerical & Private Sectors. Contact us today to speak to a qualified broker.

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Risk Management

Insurance is the financial backstop to several unavoidable and potentially costly insurable interruptions. Why not plan to avoid these risks completely or at least have a solution to deal with them when the worst happens.

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Health and Safety

Keep your staff safe at work with detailed management systems and actionable risk assessments. Let our experts take the strain, book a free consulation today to make sure your business is legally compliant with UK legisltations.

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Human Resources

Struggling to meet HR demands? We’re here to help. From confusing contracts and procedures to dealing with difficult employees, our highly qualified team will guide you through the entire employment process.

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Ready to get covered?

Call a member of the team to discuss how we can help you. Lines are open Monday – Friday from 9 am – 5 pm

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