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Contractors Liability Insurance
Protect your business with comprehensive cover for trades, contractors, and construction businesses across the UK.
Protecting your business against the unexpected is essential – especially in high-risk industries like construction and the trades. At Clarke Williams, we offer tailored Contractors Liability Insurance designed for professionals working at height, underground, or on complex building projects.
Whether you’re a sole trader or managing a growing team, our policies are built to suit your needs – giving you confidence that you’re covered.
We Compare Insurers So You Don’t Have To
At Clarke Williams, we do the hard work for you. As independent brokers, we’re not tied to any one insurer — which means our advice is always unbiased and focused on what’s right for your business. We have access to exclusive markets and specialist insurers you won’t find online or through direct channels. Whether you’re a sole trader or running a growing construction firm, we’ll ensure you get the best deal without compromising on cover.
Plumbing & Heating
Contractors & Tradesman
Fire Protection
Electricians
Groundworkers
What Does Contractors Liability Insurance Cover?
Our core liability package includes:
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Public Liability Insurance – Cover for injury or property damage caused to third parties during your work.
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Employers’ Liability Insurance – A legal requirement if you have employees, covering workplace injuries or illness.
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Products Liability – Protection if goods you supply cause damage or injury after installation.
Popular Extensions Available
We offer specialist add-ons that matter in your industry:
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Unlimited Height & Depth Cover – Ideal for roofing, scaffolding, groundwork and excavation projects.
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Efficacy Cover – For claims where your work doesn’t perform as expected (commonly required for electricians, fire protection, etc.).
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Financial Loss Cover – Protects against pure economic losses without property damage or injury.
Who Is This Cover For?
We work with all types of trades and contractors, including:
- Electricians
- Groundworkers and Landscapers
- Plumbing & Heating Engineers
- Fire Protection Installers
- Kitchen & Bathroom Fitters
- General Builders
- Glazing, Curtain Wall and Cladding Contractors
- Civil Engineers
- Painters, Plasterers & Decorators
- Roofers & Scaffolders
If you’re involved in construction or subcontracted site work, this cover is designed for you.
Cover for All Areas of Your Construction Business
Contract Works and Plant
Covers tools, materials, and partially completed works on-site – essential for ongoing construction projects.
Hired-In Plant
Protects plant and machinery you hire, ensuring you’re covered for damage or theft while in use.
Fleet Insurance
Comprehensive cover for your business vehicles, including vans, cars, and specialist transport.
Design & Construct Professional Indemnity Insurance
Ideal for contractors offering design or technical advice, covering you against claims of negligence, errors, or omissions.
With flexible coverage options and extensions tailored to your business needs, you can trust Clarke Williams to provide the protection you need to thrive in today’s competitive market.
Why Choose Clarke Williams for your Construction Insurance?
As award-winning commercial insurance brokers based in Kent, we know construction. We combine market expertise with five-star service to deliver policies that balance value, compliance, and real-world protection.
✓ Tailored cover – Built around your business, not off-the-shelf packages
✓ Fast documentation – Quick turnaround so you can get on with the job
✓ Access to specialist underwriters – Markets you won’t find online
✓ Claims support when it matters – Real help, from real people
✓ Not a call centre – Speak directly to knowledgeable advisers who know your industry
Get a Liability Insurance Quote Today
We’ll walk you through your options and help you build a package that works – with no jargon, no guesswork, and no time wasted.
Helpful Resources for Construction Liability Insurance
Understanding Construction Liability Insurance can be complex, so it’s important to stay informed with reliable resources. For a clear explanation of Public and Employers’ Liability Insurance, the UK Government’s Health and Safety Executive (HSE) offers comprehensive guidance on legal requirements and workplace safety. For the latest industry regulations and best practices, the Construction Industry Training Board (CITB) is an excellent source. Additionally, The Chartered Institute of Building (CIOB) provides valuable information on risk management and Insurance considerations tailored for construction professionals.
