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Construction Worker and Contractor Insurance

Quick and personalised indemnity and liability insurance for construction contractors and construction businesses.

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Construction Contractors insurance

Caunce O’Hara’s insurance for construction contractors and construction businesses offers comprehensive industry-specific cover for a range of risks and industry requirements.

In the main those industry requirements can be simple to meet, yet in certain circumstances they can be quite complex and require careful consideration, such as for hazardous industries where working at height or in extreme heat are a factor.

Our insurance can help protect your construction business, whatever your role and company size. What it costs for cover and your peace of mind, makes our Construction Contractor insurance a worthwhile investment, because the alternative if a claim is made against you if you’re not insured does not bear thinking about. Learn more about contractor insurance.

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What is construction contractor insurance?

Construction Contractor indemnity insurance will provide cover to protect you and your business against the legal action brought against you in the event that you made a mistake in your work. Our liabilities insurance will protect you and your business if someone was to be injured, or if client property was damaged, due to an error on your part.

Why do construction contractors need insurance?

As a construction contractor or construction business you with face obvious daily risks. Being under-insured could the biggest risk of them all.

With specialist construction insurance, you’re covered against physical accidents on site, as well as negligence claims if for example, a project doesn’t match the original plans.

Therefore, it is important to protect your business from potentially crippling legal bills and compensation pay-outs with our tailor-made construction insurance cover.

Why choose Caunce O'Hara for your business insurance?

As freelance insurance experts, we're your number one choice for your business protection.

Caunce OHara business insurance for contractors and freelancers

Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

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We have used Caunce O'Hara for the last 5 years and found them very helpful. Good customer care and advice.
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All you’ll ever need. Fantastic service, extremely polite and friendly. Always willing to make the transaction easy and very well explained. I wouldn’t go anywhere else.
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Caunce O'Hara have provided me with a fast and efficient service. The company was attentive to my needs.
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Frequently Asked Questions

The Construction insurance policy will provide cover for claims including:

Alleged negligent work

You are contracted to construct a new building. Despite working to the agreed plans and drawing you make an error in your calculations and the completed building is bigger than the agreed plans. This contravenes planning regulations, resulting in the building needing to be torn down and started again, incurring significant extra costs for your client. Professional Indemnity insurance would respond to cover you in this instance.

Breach of contract

You miss an agreed deadline for delivery of a construction project you are contracted for resulting in extra costs. Professional Indemnity insurance would provide cover for this in the event your client made a claim against you.

You cause an accident while working onsite

You are alleged to have caused an accident onsite due to using unclear safety signage. A claim is made against you for causing the accident and to pursue damages for loss of earnings for the employee as the injury meant they could not work. In this instance, you would be covered by Public Liability insurance.

Caunce O’Hara’s online quote and buy system can provide you with an indicative quotation for your Construction Contractor insurance in a matter of minutes.

As an example: A construction project manager with an annual turnover of up to £50,000, who needs Professional Indemnity insurance with an indemnity of £500,000 of cover (in any one claim) would pay as little as £320.00 per year. We think this represents good value considering the level of cover. (Figure correct 17.11.2021)

Caunce O’Hara’s Construction Contractor insurance policies cover a range of construction professions including site managers and inspectors, BREEAM home assessors, construction managers, construction consultants, electronics engineers, town planners, health and safety officers and many others.

We can arrange a Contractors Combined insurance policy at your request. The Contractors Combined insurance policy can include employers’ liability insurance and public liability insurance.

It is also important to note that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance.

We also offer Tax Enquiry and Legal Expenses insurance which will provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation.

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Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today