Required Insurance
Construction insurance for contractors can be a complex business and it often pays to have an insurance expert who understands your industry as well as building contractors insurance on your side.
Primo can provide you with the expertise and insurance knowledge you need to ensure you have the correct levels of cover, competitive premiums and the security of knowing your insurance will not leave you out of pocket when you need it most.
Public Liability
Protects your business against finacial loss arising from a claim for damage or injury to a third party.
Professional Indemnity
Covers legal liability for claims made against you for an alledged breach of your professional duty
Employers Liability
A legal requirement for employers of paid or voluntary full or part-time staff and covers them for damage or injury whilst in your employ.
Let's get you covered as quickly and simply as possible
Cover Options
Click a listed cover option for more information such as why you may or may not need this extra cover.
Hazardous Locations
We can quote for work in hazardous locations such as London Underground. Unrestricted height and depth.
Larger Firms
We can provide quotes and cover on premiums up to £250,000. 90% minimum and deposit option.
Your Security
Two year LTAs (Long Term Agreements) and all insurance is secured from an A-rated insurance provider.
Business Vehicles
Comprehensive, third party, fire & theft or third party only cover arranged for your business' vehicles or commercial fleet.
Plant and Machinery
Consider adding annual insurance cover for owned or hired-in plant and machinery to your business cover.
Helpful Articles for Building Contractors
Information Contractors Need to Know
With new regulations and the onset of the Insurance Act many contractors that work in the construction industry may be in for some nasty surprises when renewing their insurance.
Are you Covered for Special Risks?
How often does your broker actually go through all the exclusions and pair them with work or contracts you have undertaken in the past to make sure you are covered correctly?
Liability Insurance: How Much Is Enough?
Though you know that you need liability insurance as a contractor, it is not always easy to pick the right insurance package or know the exact cover options you need for your business.
Contractors All Risk
Provides cover for damage to property and also damage or injury to third-parties. Damage to property can include incorrect construction, renovation damage or damage to temporary work on sites. C.A.R. policies are typically taken out by both the contractor and the employer and may have others such as finance companies named in the policy.
Contract Works
Some construction projects you undertake will make you responsible for partially completed work. For instance, you're in the middle of building a house, and a flood destroys the work you have done contract works insurance could cover the cost of redoing that work. Your broker will help you determine the right level of cover needed.
Business Premises
What is Covered? Your buildings, fixtures and fittings: including gates, fences, car parks, as well as underground cables and pipes. It may also include cover for stock and cash on the premises and in some cases it can also provide for seasonal stock increases free of charge.
Business Interruption
If your business needs to close after a disaster like a flood or a fire, perhaps even after a forced entry business interruption insurance covers the shortfall in your business' income.
Temporary Buildings
Whether it's a portacabin or a row of portaloos most construction sites have temporary buildings. Temporary buildings cover often provided with a C.A.R. policy covers loss or damage to these temporary structures and may cover any plant or tools stored in them.
Commercial Fleet
For more information on our motor fleet policy please click on the link below.
Plant and Machinery
Please see our dedicated page on plant and machinery insurance. Cover for hired-in or owned plant and machinery.
JCT 21.2.1
In the case of most damage to a third-party property a claim would be made against the negligent party and compensation would be covered by their liability insurance, however, what if a third party property is damaged due to building works where no-one has been negligent? That's where JCT insurance comes in.
Tools, Materials & Equipment
Often included as part of a contractors insurance policy this covers loss or damage to contractors tools, equipment and materials while they are secured on-site.
Architect Plans
Covers the cost of replacement due to loss or damage of architects drawings. Usually covered as part of a contractors all risks policy.
Showhome Contents
Where a completed works include a showhome contractors all risks policies will typically include cover for it's contents as standard.
Properties Awaiting Sale
Also known as completed works, properties awaiting sale are covered until sold or for a number of days following the completion of the property. If the property remains unsold you may want to arrange standalone unoccupied property insurance.
