Contractors business insurance

If you own and/or run a small contractors business you'll need to think carefully about what to incorporate into your contractors business insurance. It is vitally important to make sure you have the right cover in place to make sure that, in case an accident occurs that has financial repercussions, you have the necessary financial backing to ensure the continued smooth operation of your business. At Compare Contractors Insurance we can offer you a generous amount of cover as standard and a wide range of optional add-ons from which to choose, enabling you to pay only for what you need and not for what you don't. Having comprehensive contractors business insurance in place is vital to the well-being of your company and through our site it's competitively priced and easy to purchase.

A must-have policy feature for contractors business insurance is public liability insurance. Your work as a professional contractor will involve working on site locations in close proximity to members of the public and operating potentially dangerous machinery and equipment. So should a member of the public be harmed or if their property is damaged in connection with work being carried out for your business the financial implications for you could be grim. Public liability insurance is available up to the value of £1m, £2m or £5m through our site and will give you financial support if a claim of negligence is made against you or if compensation is demanded by a member of the public.

If you have employees working for your business you are also legally required to build employers liability insurance into your contractors business insurance. This kind of cover will provide you with financial support if an employee of yours suffers injury or illness as a result of carrying out work for your business. Employers liability cover is available up to the value of £10m through the leading insurers on our site and includes cover for defence costs and expenses and indemnity to principals.

It's worth seriously considering building business interruption cover into your contractors business insurance. If, for some reason, the smooth running of your contractors company is halted – perhaps due to damage to owned or hired in plant or tools and equipment – you can insure damaged property and for loss of gross income through our site (up to 25% of sum insured).

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