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Contractors' All Risk

An insurance policy built for subcontractors, for tradespeople, and for the construction site.

What is Contractors' All Risk Insurance?

For subcontractors and tradespeople, Contractors' All Risk Insurance protects your business against loss or damage to property which is being used, or intended for use, in connection with your work on a construction site.

Get cover from as little as

£ 9 .33

per month

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  • Hiring in expensive machinery? No problem. We’ll cover for damage to tools, machinery, and equipment, whether it’s owned or hired
  • Cover for whatever life throws at you Damage caused by fire, flood, storm, vandalism, or theft. We’ve got you.
  • Six cover limit options to suit your business Tailor your policy to the needs of your business with 6 cover limit options to choose from
  • Fast and easy cover, wherever you are Get cover online or over the phone in minutes, with documents issued immediately
Good to know Over 100,000 self-employed professionals have trusted Qdos to insure their businesses

Protect your work with Contractors’ All Risk

Contractors All Risk Insurance covers damage caused to property by a range of different events such as fire, flood, storm, vandalism or theft. The policy will cover damage caused by anything not excluded, this is why it’s named ‘all risks’.

The property insured by the policy can be appreciated in three broad categories:

 

  • Contract works
  • Damage to tools, machinery and equipment
  • Employees tools and effects



Contract Works

The building works, property or structure whilst under construction and for which you are responsible i.e., before the work has been completed, or responsibility has been handed to your client.

Please note that if you are working on an existing construction or property, contract works will only cover damage to the building works being undertaken. Damage to the existing structure or property won’t be covered and should be insured by the property owner.



Damage to tools, machinery, and equipment

This includes heavy machinery and large equipment used on construction sites, including temporary buildings and/or caravans.

There are separate sums insured provided for:

 

  • Property owned by the insured
  • Property hired by the insured, provided plant is hired in accordance with the Contractors Plant Association conditions



Employees tools and effects

Up to £500 cover per employee for physical loss or damage to tools, clothing and personal effects (excludes furs, money, and jewellery) belonging to any director or employee whilst on or about any contract site.

Qdos’ Contractors All Risk insurance may provide a payment for the losses suffered, or alternatively reinstate or replace the property.

What does Contractors' All Risk Insurance cover?

Contract Works
Up to £250,000 for building work, property, and structures under construction
Employees Tools and Effects
Up to £5,000 for loss or damage (£500 limit per employee)
Tools, Machinery, and Equipment
Up to £50,000 for damage sustained to your own, and up to £50,000 for any hired

Contractors' All Risk cover options

Qdos Contractors' All Risk policy is available with a range of coverage options provided in the table below. 

When deciding on the option that’s right for you, please consider:

  • Contract value – the limit chosen should represent the maximum contract size you will undertake during the period of insurance.
  • The limits of indemnity will be provided per occurrence – so the limit chosen should represent the total loss you may suffer, not any one item.

*Please note there is a £500 limit per employee for employees tools and effects

  Option A Option B Option C Option D Option E Option F Excess
Contract Works Limit £10,000 £25,000 £50,000 £100,000 £175,000 £250,000 £500

Construction plant tools, machinery
and equipment limit

 £2,500 £5,000 £12,500 £25,000 £37,500 £50,000 £500
Construction plant tools, machinery and
equipment hired by the insured		 £2,500 £5,000 £12,500 £25,000 £37,500 £50,000 £500
Employees tools and effects £1,000* £1,000* £1,000* £1,000* £3,750* £5,000* £50

Frequently Asked Questions

Contractors All Risks Insurance should be considered by anyone working on a building site. 

Whether you need it will depend on whether you are responsible for:

  • Structures or buildings whilst in progress
  • Plant, machinery or equipment
  • Yours or your employees’ tools and effects

You should check the terms of your contract thoroughly when you determine if you are responsible.

Find out more about what insurances you need as a self-employed subcontractor

It can be a common misconception that ‘all risks’ means that it includes every type of insurance cover a tradesperson or those working on site may need. That is however not the case. In fact, ‘all risks’ simply refers to the way that the policy operates.

Some insurance policies will provide cover for perils specifically included i.e., losses, events or causes of a claim, and only those listed in the policy cover. ‘All risks’ insurance however covers all causes of a loss, provided the cause is not specifically excluded.

A common policy self-employed individuals operating in the construction sector may also need, is Public Liability Insurance. See below for more information.

No. Contractors All Risk and Public Liability Insurance cover fundamentally different risks.

Public Liability insurance covers the defence costs and, if necessary, the legal liability associated with legal proceedings brought against the policyholder by a third party alleging the policyholder caused injury or property damage in the provision of their services.

Contractors All Risk covers the policyholder against loss or damage to property which is being used, or intended for use, in connection with the policyholder’s work on a construction site.

Contract works and Contractors All Risks can often be confused as they cover similar and, in some cases, the same risks. It is possible that ‘Contract Works’ insurance can be extended to provide the same breadth of cover as a Contractors All Risks policy, but this will vary between providers with some limiting cover to damage to Contract Works only.

Qdos’ Contractors All Risk Insurance covers Contract Works, Damage to Tools, machinery and equipment, and Employees tools and effects cover.

No. Contractors All Risks Insurance and Professional Indemnity Insurance cover fundamentally different risks.

Professional Indemnity Insurance covers the defence costs and, if necessary, the legal liability associated with negligence proceedings brought against the insured.

Contractors All Risks covers the policyholder against loss or damage to property which is being used, or intended for use, in connection with the policyholders work on a construction site.

Yes, it can. Qdos’ Contractors All Risks Insurance covers damage to and loss of construction plant tools, machinery and equipment hired by the insured. Some providers may offer cover for damage of loss of plant in isolation, whereas Qdos’ Contractors All Risks Insurance covers:

  • Contract works
  • Damage to Tools, machinery and equipment (own plant and hired in plant)
  • Employees tools and effects

The Contractors All Risks Insurance policy wording will set out the coverage in full, however some notable exclusions are:

  • Defects in design or workmanship
  • Mechanical or electrical breakdown
  • Wear and tear
  • Stock and materials in trade
  • Existing structures and property that has been completed and handed over
  • Sea or air transits
  • Asbestos
  • Theft from unattended vehicles
  • War and terrorism
  • Nuclear
  • Loss of data

Policy documents

CAR Policy Wording 0524

Download

Contractors All Risk IPID 0823

Download
Why Qdos?
From award-winning contractor insurance providers, Contractors’ All Risk is a comprehensive policy with self-employed subcontractors and tradespeople in mind.
Read about what makes us special
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