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1 Qualify 2 Business 3 Liability 4 All Risks 5 Plant 6 Declaration

Building Contractors and Tradesperson Insurance Form

We understand the unique challenges faced by contractors and tradesmen in their daily work. Our goal is to provide comprehensive insurance cover that protects your business, equipment, and livelihood.

It is quite a long form, but you can save and come back to it at a later time. Please note that this form is designed to collect important information about your business and insurance needs. The more detail you provide the better we can assist you.

This form does not generate an instant online quote.

Instead, our dedicated brokers will utilise the details you provide to search the insurance markets on your behalf. This personalised approach enables us to identify the most suitable insurance policies and competitive rates tailored to your specific requirements.

Thank you for choosing us to assist with your insurance needs. Let’s begin by gathering the necessary details to secure the right insurance coverage for your contracting or trade business.

To save wasting your time

A couple of quick qualifying questions to save you filling out the entire form if we are unable to help.

Are you based or carry out work outside of the UK? (i.e. Southern Ireland)*We can only arrange insurance to cover you and your business activities while you're operating inside the United Kingdom. If you think there may be a chance of you working outside of the UK speak to your broker who may be able to advise you on the best course of action.
Yes
No
Do you need insurance arranged within the next 7 days?*The brokers will need time to approach insurers, negotiate premiums and offer you advice to ensure you're correctly covered or at least well informed. The larger the business the more time they need, always best to start looking for quotes 30 days in advance.
Yes
No

Sorry, we are unable to obtain an insurance quote for you at this time.

Great, click next and we can gather some information for your quote.

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Complete 16%
1 Qualify 2 Business 3 Liability 4 All Risks 5 Plant 6 Declaration

Contact Details

Enter reference/special offer code here:
Your preferred communication method?*We will endeavour to accommodate any communication requirements of all our customers.
Via Phone Call
Via Email
Other (please tell us below)
Title *
First Name *
Last Name *
Email Address *
Telephone *
+44
Search
    Please enter your postcode and select your address *
    House Number/Name

    About the Business

    Trading Name *
    Your trading status is *
    Please enter your company/charity registration *
    Please describe your business status *
    Partner 1 Full Name *
    Partner 1 Telephone *
    Partner 1 Email *
    Partner 1 Address *
    Add Second Partner*
    Yes
    No
    Second Partner Full Name *
    Second Partner Telephone *
    Second Partner Email *
    Second Partner Address *
    Add Third Partner*
    Yes
    No
    Third Partner Full Name *
    Third Partner Telephone *
    Third Partner Email *
    Third Partner Address *
    Add Fourth Partner*
    Yes
    No
    Fourth Partner Full Name *
    Fourth Partner Telephone *
    Fourth Partner Email *
    Fourth Partner Address *
    Business Address *
    Are you a member of a trade association/professional body?*
    Yes
    No
    Professional Body *
    Year Business Established *
    Business Website Address

    Business Activities

    If your business involves multiple activity types, please select secondary and tertiary options and specify the percentages for each. The total must add up to 100%, whether you choose one, two, or three options. For example: Builder: 70% Groundworker: 30%

    For example: Builder: 70% Groundworker: 30%

    Primary Business Activity *
    Your Business Activity *
    Percentage
    0 100
    Secondary Business Activity *
    Your Secondary Business Activity *
    Secondary Percentage
    0 100
    Tertiary Business Activity *
    Your Tertiary Business Activity *
    Tertiary Percentage
    0 100

    Turnover Details

    What is your anticipated turnover for the next 12 months? *

    Please provide a breakdown of your turnover below

    Premises Based Work *
    Work away manual contracting *
    Hazardous Locations *
    Please select all hazardous locations that apply Hold CTRL to select multiples
    Payments to Bona Fides *
    Non licensed asbestos removal *
    Cost of materials *
    Total Turnover
    0.00

    Height and Depth Work

    Please state the maximum depth you work/dig to in metres *
    Do you undertake any piling or underpinning work*
    Yes
    No
    Please state the maximum height worked in metres
    Please select the percentage of work carried out up to 15 metres height
    0 100
    Please select the percentage of work carried out up to 25 metres height
    0 100
    Please select the percentage of work carried out up to 50 metres height
    0 100
    Please select the percentage of work carried out over 50 metres in height
    0 100

    Other Business Activities

    Do you undertake Steel Erection or Structural Steel Work*
    Yes
    No
    Do you use slings, cradles, abseiling equipment or tower cranes*
    Yes
    No
    Do any of your activities involve the use of heat?*
    Yes
    No
    Hand held hot air guns*
    Yes
    No
    Please state the percentage of work undertaken using hand held hot air guns work away?
    0 100
    Please state the percentage of work undertaken using hand held hot air guns at premises?
    0 100
    Blow lamps*
    Yes
    No
    Please state the percentage of work undertaken using blow lamps work away?
    0 100
    Please state the percentage of work undertaken using blow lamps at premises?
    0 100
    Soldering irons, welding, cutting, grinding equipment or other equipment involving the application of heat*
    Yes
    No
    Please state the percentage of work undertaken using soldering irons, welding, cutting, grinding equipment or other equipment involving the application of heat work away?
    0 100
    Please state the percentage of work undertaken using soldering irons, welding, cutting, grinding equipment or other equipment involving the application of heat at premises?
    0 100
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    Complete 33%
    1 Qualify 2 Business 3 Liability 4 All Risks 5 Plant 6 Declaration

    Public Liability

    When do you wish your cover to commence? Please give our brokers 7 days to contact insurers. Insurance providers will not provide a quote beyond 30 days. *
    Last year's premium or best quote so far *
    Current insurer or quote provider *
    Please select level of public liability required *

    Employers' Liability

    Employers’ liability insurance is a legal requirement if you employ any of the following: Full-time - part-time employees / Self-employed contractors you hire / Temporary staff, apprentices and volunteers / People taking part in work experience or training schemes.

    Do you require employers' liability insurance?*
    Yes
    No
    Do you have any volunteers or unpaid workers?*
    Yes
    No
    Do you use labour only subcontractors?*
    Yes
    No

    Wageroll Estimates

    Clerical/Admin *
    Non Manual/Supervisory *
    Drivers/Yardsmen/Ground level labouring duties *
    Apprentices *
    Manual Directors *
    Premises Based Manual Wages *
    Work Away Manual Contracting Wages *
    Non licensed asbestos removal *
    Hazardous Locations *
    TOTAL WAGES
    0.00
    What is your employer's reference number (ERN / PAYE)? *
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    Complete 50%
    1 Qualify 2 Business 3 Liability 4 All Risks 5 Plant 6 Declaration

    Contract Works

    Do you require cover for Contract Works*
    Yes
    No
    Please state the maximum value of any one contract? *
    Please state the maximum length/duration of any one contract *
    Contract Description *
    Type of building to be constructed? *
    Number of stories *
    Will the works involve any underpinning, excavation pile driving, tunnelling or demolition work?*
    Yes
    No
    Please provide details *
    Is there an appointed Safety Officer, or a person clearly responsible for Health & Safety Issues?*
    Yes
    No
    Is the contract address in an exposed position to storm/flood (e.g. within 250 metres of sea front/watercourse)? *
    Yes
    No
    Are 100% of the premises and outbuildings being constructed from brick, stone, or concrete, with no combustible internal panels, and roofed with slates, tiles, concrete, metal or asbestos, and with no more than 25% of the total roof area being felt on timber?*
    Yes
    No
    When the contract site, or premises are left unattended:-
    Is the contract site, or premises left securely locked?*
    Yes
    No
    Will you occupy the residence upon completion?*
    Yes
    No
    Have you ever been refused, declined, terminated cover, or insisted on a special condition at any location? *
    Yes
    No

    Buildings and Materials

    Do you require cover for Business Premises?*
    Yes
    No
    Are the premises built of brick, stone, concrete, metal or other non-combustible materials and roofed with slate, tiles, concrete, metal or other non-combustible materials?*
    Yes
    No
    Do you have an alarm?*
    Yes
    No
    What type of alarm is it? *
    Is the alarm maintained under contract?*
    Yes
    No
    Are the premises secured by a minimum of 5 lever mortise Deadlock on all externally accessible doors and key operated window locks on all accessible windows?*
    Yes
    No
    How are they secured? *
    Are the premises occupied solely by yourselves?*
    Yes
    No
    Who else occupies the premises? *
    Do you have CCTV?*
    Yes
    No
    Has there been any previous flooding at the premises or in the neighbourhood?*
    Yes
    No
    Do you require cover for Temporary Buildings?*
    Yes
    No
    Total Value of Temporary Buildings *

    Materials

    Do you require cover for stock and materials at premises?*
    Yes
    No
    Do you require cover for stock or materials at location?*
    Yes
    No

    Extra Insurance Cover Options

    Do you require professional indemnity?*
    Yes
    No

    If you are alleged to have provided inadequate advice, services or designs to a client, professional indemnity insurance provides cover for the legal costs and expenses in defending the claim, as well as compensation payable to your client to rectify the mistake.

    Do you require directors and officers insurance?*
    Yes
    No

    Directors and officers (D&O) liability insurance protects the personal assets of corporate directors and officers and their spouses if they are personally sued by employees, vendors, competitors, investors, customers, or other parties for actual or alleged wrongful acts in managing a company.

    Do you require business interruption?*
    Yes
    No

    Business interruption insurance (also known as business income insurance) covers the income loss that a business suffers after a disaster. The income loss covered may be due to the disaster-related closing of the business facility or due to the rebuilding process after a disaster.

    Business Motor Fleet

    Do you require cover for five or more vehicles?*
    Yes
    No
    Do you require cover for legal costs?*
    Yes
    No
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    Complete 66%
    1 Qualify 2 Business 3 Liability 4 All Risks 5 Plant 6 Declaration

    Plant Tools and Machinery

    Do you require hired-in plant cover?*
    Yes
    No
    Do you require owned plant cover?*
    Yes
    No
    Is hired-in/owned Plant & Equipment to be insured is used solely in connection with the Business?*
    Yes
    No
    Is hired-in/owned Plant & Equipment used only within Great Britain, Northern Ireland, The Isle of Man and The Channel Islands?*
    Yes
    No
    Is your Plant & Equipment operated, maintained and serviced in accordance with the manufacturers recommendations?*
    Yes
    No
    Is hired-in/owned Plant & Equipment returned to a lockfast building or secure compound when not in use?*
    Yes
    No
    Is your Plant & Equipment inspected in accordance with any statutory regulations?*
    Yes
    No
    Is your Plant & Equipment used by operators licensed in accordance with statutory regulations?*
    Yes
    No
    Is your Plant & Equipment used in hazardous conditions? e.g. demolition, mining, dynamiting, underground, on or near water, on bridges etc*
    Yes
    No
    Is your Plant & Equipment hired out under conditions less onerous than the model conditions of hire approved by the Contractors Plant-hire Association (CPA) or the Scottish Plant Owners Association (SPOA)?*
    Yes
    No
    Is cover required during loading transit and unloading?*
    Yes
    No
    Is cover required whilst plant is let out on hire or loan to any third party?*
    Yes
    No
    Is indemnity to the first hirer required?*
    Yes
    No
    The total new replacement value of Plant & Equipment hired-in/owned by the Business *
    The total market value of Plant & Equipment hired-in/owned by the Business *
    What are your Annual Hiring-In Charges? *
    Plant type 1 *
    Description of plant 1 *
    Plant 1 year of manufacture? *
    New Replacement Value Plant 1 *
    Current Market Value Plant 1 *
    Add Second Plant*
    Yes
    No
    Plant type 2 *
    Description of plant 2 *
    Plant 2 year of manufacture? *
    New Replacement Value Plant 2 *
    Current Market Value Plant 2 *
    Add Third Plant*
    Yes
    No
    Plant type 3 *
    Description of plant 3 *
    Plant 3 year of manufacture? *
    New Replacement Value Plant 3 *
    Current Market Value Plant 3 *
    Add Fourth Plant*
    Yes
    No
    Plant type 4 *
    Description of plant 4 *
    Plant 4 year of manufacture? *
    New Replacement Value Plant 4 *
    Current Market Value Plant 4 *
    Add Fifth Plant*
    Yes
    No
    Plant type 5 *
    Description of plant 5 *
    Plant 5 year of manufacture? *
    New Replacement Value Plant 5 *
    Current Market Value Plant 5 *
    Add more plant items*
    Yes
    No
    If you have more plant and machinery please attach document covering each extra item of plant with the details asked above: (PDF and DOC files only)
    Drag & Drop Files Here Browse Files
    Do you require cover for tools and equipment?*
    Yes
    No
    Total value of tools? *
    How are your tools secured at premises and on site? *
    Do you require cover for employees' tools?*
    Yes
    No
    Back Next Save Progress
    Complete 83%
    1 Qualify 2 Business 3 Liability 4 All Risks 5 Plant 6 Declaration

    Declaration

    Health and Safety & Risk Details

    Do you undertake risk assessments before the start of activities?*
    Yes
    No
    Do you offer First Aid facilities at your location(s)?*
    Yes
    No

    Claims History

    Have you made any claims or had any claims made against you in the last 5 years?*
    Yes
    No
    Please provide details of claim inc.date and value *
    Are you aware of any incidents that may give rise to a claim?*
    Yes
    No
    Incident details *
    Are you aware of any loss through employee dishonesty?*
    Yes
    No
    If yes please give details *

    Have you or any partner or director:

    Ever been convicted of or charged with (but not yet tried) or been given an official police caution in respect of any criminal offence other than a motoring offence?*
    Yes
    No
    Please give details of offence *
    Ever been declared bankrupt or been a director of a company that has been declared bankrupt or insolvent?*
    Yes
    No
    Please give details of bankruptcy/insolvency *
    Ever been declined or refused insurance cover, had insurance cancelled or had special terms imposed?*
    Yes
    No
    Circumstances of decline of special terms *
    Been prosecuted in the last 5 years under Health and Safety Legislation?*
    Yes
    No
    Prosecution details *
    Does the business have any ongoing employee disputes?*
    Yes
    No
    Current employee dispute details *

    --- IMPORTANT ---

    Have you entered into any Contractual Agreements with any main contractor or sub-contractor that are currently live and which may contain clauses, conditions or exclusions that could impact on the cover being offered by Primo?*
    Yes
    No

    If unsure, please seek professional advice and/or forward a copy of the contract terms to Primo plc for consideration. Some conditions may have been applied that could nullify the cover you are applying for.

    Material Facts

    Is there any other information of which the Underwriters should be made aware*
    Yes
    No
    If yes please provide information *

    The insurers accept no liability until the risk is received and the premium is paid.

    Please ensure all answers provided are correct and accurate before submitting for a quote. Should you have any questions or require any assistance, contact our brokers at 01702 225 440 - Primo

    Accept Terms *

    I have read and agree to the Privacy Notice

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    Construction and Tradesman Insurance

    About Primo

    Our History and Commitment

    Founded in 1971, Primo has a long-standing history of providing exceptional insurance solutions. The name Primo was officially adopted in 2000, representing the merger of nine distinguished businesses, some with over 50 years of experience. Since 1987, our management team has remained stable, ensuring consistent leadership and direction.

    In December 2022, Primo became part of A-Plan, which, along with Howden, has grown into one of the UK’s largest independent insurance brokers. This acquisition strengthens our ability to provide unparalleled service and comprehensive insurance solutions.

    Personalised Service

    At Primo, we take pride in offering a personalised service experience. Our office ensures every call is promptly answered by a knowledgeable and friendly staff member. We do not employ automated call handling systems. When you contact Primo, you can be assured of speaking directly with a helpful human being.

    Our Construction and Tradesman Insurance Services

    Comprehensive Coverage for Construction and Tradesmen

    We offer bespoke insurance quotations for a wide range of construction and tradesman needs. Whether your requirements are simple or complex, we have the expertise to assist you. For intricate risks, particularly those with significant liability considerations, we may require additional time—up to two weeks—to secure the best possible coverage. Our robust relationships with leading insurers across the UK enable us to provide exceptional insurance options tailored to your specific requirements.

    Request a Quote

    To obtain a quotation for insuring your construction business or tradesman services, please fill out our detailed insurance form. This will help us understand your specific needs and provide the most accurate and comprehensive insurance solutions.

    We can arrange insurance cover for a wide range of risks.