Contractors
From sole-trader trades to main contractors — contract works, plant, tools and the liability cover your contracts demand, in place before you're on site.
Cover for people in your position
A starting point, then tailored to you
Cover varies by insurer and by your circumstances — this is the shape of it. We'll confirm exactly what's included before anything is bound.
What you get with Clapton
Contract-ready paperwork
Liability limits and JCT clauses checked against your contract before you sign, with certificates issued same day.
Subcontractors treated correctly
Labour-only and bona fide subbies both covered properly, so a site incident doesn't void your policy.
Hired-in plant without gaps
Continuing hire charges and damage liability covered to match your suppliers' terms.
Contractors: the questions we're asked
Labour-only subbies count as your employees for insurance; bona fide subbies need their own cover, which you should verify. Your policy must reflect both correctly — we make sure it does.
Yes. £5m or £10m public liability is common in JCT contracts. Send us the contract and we'll match the cover to it.
They can be, subject to security conditions such as forced-entry requirements. We'll make sure you know exactly what applies.
You may also need
Ready to talk about contractors?
A short conversation tells us more than any form. We'll come back with cover built around your risk.