Contractors all risks (also known as Contract Works insurance or ‘CWI’ to differentiate it from another type of insurance ‘Construction All Risks’, which is usually for larger projects) is insurance specially designed for builders and a number of other trades working at a contract site.

Generally cover isn’t limited to the liability of the project, as it covers property (tools and plant), but cover can also (but doesn’t necessarily) include cover for public and employers liability (compulsory if you have employees either on a PAYE basis), contract works, own plant, hired-in plant and employee’s tools. Therefore a full policy pretty much covers all the insurance a contractor needs rolled into one.

Contractors all risks: safeguard your livelihood and protect the tools of your trade

However there’s no real legal definition or standard policy available so each policy can be different, not all include Employers or Public Liability for instance (for some it may be an optional extra). Premiums mainly depend on the value and type of work, number of employees and previous claims record.

Contact us today and see if we can beat your current quote, as well as making sure that you and your policy are working together!

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