Contractors All Risk Insurance
Protect Your Construction Business with Contractors All Risk Insurance
Construction projects come with multiple risks, from accidental property damage to equipment theft and site-related incidents. Without the right insurance, a single unforeseen event could result in significant financial losses and project delays.
At ABA Insurance, we provide Contractors All Risk Insurance to safeguard businesses in the construction industry. Whether you are a contractor, subcontractor, developer, or property owner, our tailored policies ensure comprehensive protection for your project, workers, and equipment.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Contractors All Risk Insurance?
Contractors All Risk Insurance is a specialist insurance policy designed to protect construction projects, equipment, and liabilities. It covers physical damage to ongoing work and provides public liability protection in case of injury or damage to third parties.
This type of insurance is essential for:
- General contractors and builders
- Property developers and construction firms
- Civil engineering and groundwork specialists
- Electrical, plumbing, and mechanical contractors
- Self-employed tradespeople and subcontractors
Without adequate cover, unexpected damages or legal claims could halt your project and lead to costly financial consequences.
Why Do You Need Contractors All Risk Insurance?
Protection Against Construction Site Risks
Construction sites are exposed to fire, flooding, vandalism, theft, and accidental damage. This insurance covers the costs of repairing or rebuilding damaged work.
Cover for Tools, Equipment, and Materials
Contractors rely on specialist tools and expensive machinery. This insurance ensures that stolen or damaged equipment can be replaced, minimising project disruption.
Public and Employers’ Liability Cover
If a worker, client, or member of the public is injured on-site, legal action could follow. This policy includes public liability insurance and employers’ liability insurance to cover legal fees and compensation claims.
Financial Security for Subcontractors and Developers
Contractors often hire subcontractors to complete specialist work. If a subcontractor damages property or causes an accident, this insurance helps protect your business from liability.
Contract and Regulatory Compliance
Many construction contracts and clients require proof of insurance before awarding work. Having the right cover helps meet contractual and industry obligations.
What Does Contractors All Risk Insurance Cover?
- Physical damage to the project due to fire, storms, floods, vandalism, and accidental incidents
- Theft, vandalism, and malicious damage to tools, equipment, and site materials
- Public liability insurance to cover compensation claims for third-party injuries or property damage
- Employers’ liability insurance to cover injury claims from workers on-site
- Own and hired plant cover for construction machinery, such as excavators, cranes, and vehicles
- Temporary site buildings and storage, covering damage to site offices, containers, and welfare units
- Contract works insurance to cover financial losses if an ongoing project is damaged or needs rebuilding before completion
Get The Right Business Insurance
What Do You Need To Consider When Getting The Right Contractors All Risk Insurance?
Unforeseen Site Accidents
Accidents happen on construction sites. This insurance provides financial protection and legal cover so you can focus on completing the project.
Tool and Equipment Theft
Theft of machinery and tools can cause serious delays. Our policies cover replacement costs, ensuring minimal downtime.
Contractual Insurance Requirements
Clients and project owners often require proof of Contractors All Risk Insurance before hiring contractors. Our policies help meet these obligations.
Affordable Coverage Options
We provide flexible and competitive policies, ensuring contractors receive comprehensive protection at cost-effective rates.
Fast and Reliable Claims Processing
We ensure quick claims resolutions, helping contractors recover from unexpected losses without project delays.
How Much Does Contractors All Risk Insurance Cost?
The cost of Contractors All Risk Insurance depends on several factors, including:
- Project size and total contract value
- Type of construction work involved
- Number of employees and subcontractors
- Location and security of the construction site
- Level of public liability cover required
- Previous claims history
ABA Insurance offers tailored policies to suit your project size and budget, ensuring you receive the right cover at the best value.
Why Choose ABA Insurance for Contractors All Risk Insurance?
- Industry expertise with tailored cover for construction businesses
- Customised policies to ensure businesses only pay for the protection they need
- Competitive pricing with affordable rates from leading insurers
- Fast quotes and a simple application process
- 24/7 support and claims assistance for hassle-free coverage
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Contractors All Risk Insurance Today
Protect your construction project and business with reliable Contractors All Risk Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.