Contractor Insurance
As a building contractor it makes sense to get your tools covered against loss or damage.
Plant and materials insurance, also know as contractors' 'all risk cover', provides cover for your tools and materials as well as the building works you are working on while under contract.
Contractor insurance key benefits
- Property awaiting sale – cover available in these circumstances
- Hire company charges – cover for equipment loss or damage charges
- UK cover – your tools are covered across the UK and in transit
- Off site storage included as standard
- Free debris removal cover included as standard
- Architect's and surveyor's fees covered for 'reinstatement of property'
- Low policy excesses
Plant and materials insurance – frequently asked questions
Do I need contractors' all risk cover?
Contractors' all risks insurance (also known as contract works insurance) provides cover for the cost of loss or damage to building works while you are responsible for them. It also provides cover for loss or damage to your plant machinery and tools.
Can I buy contractors' all risk cover online?
Yes, simply enter details about your business online and we'll search our panel of UK insurers to find you competitive quotes. You'll then be able to compare these quotes and buy online.
What is included under tool cover with plant and materials insurance?
Tool cover with plant and material insurance provides protection against accidental and malicious damage, and theft at a contract site. Cover includes work in progress, your tools, and both fixed and unfixed materials on site.
What if my plant is hired-in?
Plant and materials cover is available for your own plant and any tools that you need to hire. You can specify the level of cover you need, based on the equipment you use.
Do you provide insurance for IT contractors?
If you are an IT contractor or do contract work in a similar professional field you may be interested in consultants' liability insurance or professional indemnity insurance.
Other products & services
Related information
AA Business Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.
Automobile Association Insurance Services Limited is authorised and regulated by the Financial Services Authority (FSA). Registration number 310562. You can check on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register/ or by contacting the FSA on 0300 500 5000.