Construction Contractors | Freelancer And Contractor Insurance

Arranging comprehensive business insurance for construction contractors across the UK

Working in the construction industry, you face obvious dangers. Being under-insured could be the biggest of them all. Caunce O’Hara’s construction contractor insurance could be what you’re looking for.

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.

Our construction contractor insurance policies cover site manager and inspector roles, including; BREEAM home assessors, construction managers, construction consultants, electronics engineers, town planners and health and safety officers among many others.

Protect your business from crippling legal bills and compensation pay-outs with our tailor-made construction cover for a great-value annual premium.

Will contractors still need insurance for IR35 after April 6th 2021?

Our construction contractor insurance policies include:

Professional Indemnity insurance
Public Liability Insurance
Employers Liability Insurance
Tax Enquiry and Legal Expenses Cover
IR35 Contract Reviews
Personal accident insurance
Directors & officers insurance
Portable equipment insurance
Combined Business Liabilities Insurance – call 0333 321 1403 for details

Call one of our award-winning team today on 0333 321 1403 for a quotation and to discuss your business insurance needs or click to get a quick online quote in minutes!

Click here for a quick online insurance quote

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What insurance do I need?

You can choose the right level of cover from our Construction contractors insurance policies. We offer:

Professional indemnity insurance
Professionals should have confidence in their work, but we all know that mistakes can happen. Don’t let those mistakes ruin your freelance career with the support of comprehensive professional indemnity insurance. We offer nine choices of cover from £50,000 to £5m to protect you if a claim is made against you for a mistake that happened as a result of your work which caused your client a financial loss.
Click here for a quick quote
Business combined insurance
In addition to PI insurance, you can further protect your business with our business combined insurance. This package offers great value, with complete coverage for your business in one simple bundle, including:
- Public liability insurance for £1 million, with the option to increase to £5m, if you have to visit client premises or they visit yours.
- Employers’ liability insurance for £10 million, covering you for claims from employees for injury or illness during their employment.
- Office contents insurance up to £5,000 to protect your office contents, computer equipment and furniture against accidental damage and theft, with optional insurance for portable equipment.
- Directors’ and officers’ liability insurance from £250,000 if you’re held personally responsible in claims against your business by creditors, employees, customers or regulatory bodies like HMRC.
Click here for a quick quote
Public Liability Insurance
Up to £2m cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business.
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Tax Enquiry & Legal Expenses Insurance & Contract Review
Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations. £100,000 cover for just £75 a year.
IR35 Contract Reviews available for only £60.00 per contract when you purchase this policy.
Click here for a quick quote
Personal Accident, Sickness & Travel Insurance
24 hours a day protection (not just while you’re at work) to cover you in case of a work accident or sickness caused by your work. Prices start from only £36.44 a month for £50,000 of cover.
Click here for a quick quote

Benefits

Competitive pricing
Dedicated handlers to assist with your queries
Documents issued instantly via e-mail
Access to your own claims team
Cover for legal defence costs and compensation bills
Monthly payments

4.8/5

"Insurance Renewal - Plenty of warning up front as to renewal date, requests for any changes and quote. Reminder leading to actual renewal date. New certificates available on date agreed. Can't complain at all about the service."
"A very helpful, kowledgable and adaptable telephone advisor enabled discussion beyond standard questions in order to secure the most approprite insurance honed to my business deeds and relevant discounts. This led to the most comptitive quote over other larger companies."
"I have been with Caunce O'Hara for almost 12 years now and am always very pleased with their service and customer support as well as the costs for the cover."
"Used these before then changed to another broker who could not help me with an update to my insurance. Caunce O'Hara had no problem and set up my insurance in about five minutes. Highly recommended."
"All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
"I have automatically renewed my indemnity insurance for several years but as I have gradually reduced work commitments I needed to discuss my options prior to making a decision about renewal.
I found the person I dealt with very helpful and knowledgeable about my options."