Construction & Trades Insurance
Understand the insurance obligations before work starts.
Insurance for builders, contractors and trades is often driven by contract requirements as much as by the work itself. Public liability, contract works, tools and plant, and who must be named on a policy all commonly need to be understood before a project begins.
Common considerations
Relevant cover categories in plain English. Which of these apply—and how—depends on the specific business or property.
- Public liability
- Contract works
- Tools and plant
- Completed operations
- Subcontractor arrangements
- Contractual insurance requirements
Suitability and limitations
The covers above are a starting point for a conversation, not a recommendation. What is suitable depends on individual circumstances, and cover is subject to insurer acceptance, policy terms, conditions, limits and exclusions. Relevant policy wording should be reviewed before any cover is arranged.
Related industries
Frequently asked questions
Is public liability enough on its own?
Public liability addresses one type of exposure—contract works, tools and plant, and other risks often need separate consideration.
When does contract works cover start and end?
This is usually defined by the contract and the policy wording, and the two should be checked against each other.
Information on this website is general in nature and does not take into account your objectives, financial situation or needs. Cover is subject to insurer acceptance, policy terms, conditions, limits and exclusions. You should review the relevant policy documents and seek advice appropriate to your circumstances before making a decision.