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Contractors All Risks

Our contractors all risks solution

Contractors All Risks insurance is an essential product for those in the construction industry, providing comprehensive coverage against a range of risks associated with construction projects. Contractors can operate with greater peace of mind, knowing they are protected against unforeseen events that could impact their work and finances.

  • Contract Works Damage: This cover protects against physical loss or damage to contract works, including materials (incorporating free issue materials and re-used materials), and equipment supporting construction activities. 
  • Additional Coverage Options: Clients can also opt for cover for owned plant, hired plant, and employee belongings, allowing for a customised insurance solution that meets their specific needs.

Contract Works

  • Extended maintenance
  • DE4 defective design basis
  • £250,000 Offsite storage
  • Coverage for Building Information Modelling (BIM) fees and data 
  • Coverage for BREEAM certification additional costs 
  • Automatic increases for both VAT omission and contract price increase
  • Coverage for fly tipping at the contract site

Contractors Plant

  • 1 year reinstatement as new cover for owned plant (option for 2 years)
  • Coverage for installed security devices
  • Coverage for lost keys
  • Coverage for AI, AR and VR tools and date at contract site
  • Coverage for drones and other remote-controlled equipment and data at contract site
  • Coverage for the costs of remedy for solidification of additive manufacturing equipment at contract site
  • Coverage for the hire of substitute plant following damage to owned plant
  • Coverage whilst temporarily removed to the EU

General

  • Guaranteed declaration adjustment additional premium waiving (<25% of original premium)
  • Coverage for pollution clean up costs 
  • Coverage for fire brigade charges
  • Coverage whilst on roll on/roll off ferry

  • Air conditioning and heating engineering
  • Abseiling
  • Acoustic & Sound Engineer
  • Aerial Erection
  • Air conditioning & heating engineers & Vent, Ductwork
  • Alarm Installation & Maintenance
  • Artexing
  • Asbestos - Non Licensable work (excluding asbestos contractors)
  • Asphalt Lay, Macadam & Surfacing
  • Basement Conversion (Non-Structural)
  • Bathroom fitters & installers
  • Blast furnace erectors and repairers
  • Blind Fitting
  • Block paving contractors
  • Boiler Services
  • Bricklayers
  • Bridge construction (Pedestrian)
  • Bridge - repair, resurfacing, maintenance (non-structural)
  • Builders - agricultural and shed type steel buildings over 10m
  • Builders - agricultural and shed type steel buildings up to 10m
  • Builders - Commercial alteration & repair over 10m
  • Builders - Commercial alteration & repair up to 10m
  • Builders - Commercial new build over 10m
  • Builders - Commercial new build up to 10m
  • Builders - PDH alteration & repair over 10m
  • Builders - PDH alteration & repair up to 10m
  • Builders - PDH new build over 10m
  • Builders - PDH new build up to 10m
  • Builders - shed, car port and garage erectors over 10m
  • Builders - shed, car port and garage erectors up to 10m
  • Carpentry & Joinery
  • Carpet Fitters
  • Cavity Wall Insulation
  • CCTV Installation
  • Ceiling Contractors
  • Central Heating
  • Chair Lift Install & Maintenance
  • Chimney Contractors
  • Civil Engineering Not Otherwise Classified (Light exposure. No wet exposure. No tunnelling or direction drilling) Cladding Contractors (Non -Flammable / Euroclass A - B inclusive)
  • Cleaning of exteriors of buildings
  • Concrete Contractors
  • Conservatory Erection
  • Curtain Fitting
  • Curtain Walling
  • Damp Proofing & Control
  • Decking Installation & Treatment
  • Demolition Contractors
  • Diamond Drilling
  • Domestic Appliance. Install & Repair
  • Double glazing contractor (including conservatories, excluding manufacture) Directional Drilling
  • Dry Stone Walling
  • Drylining
  • Ductwork Installation
  • Electrical contractors - others
  • Electrical contractors - PDH only (excluding alarms)
  • Exhibition Stand Erectors
  • Fencing Contractor - commercial
  • Fencing Contractor - domestic
  • Fire Control Systems Contractors
  • Fit Out Contractors (Commercial, Internal)
  • Floor & wall tiling contractors
  • Floor construction contractors
  • Floor surfacing contractor
  • Garage Door installation
  • Garage Erectors
  • Garage Plant Installation
  • Gas Fitters
  • Glazing contractors (ex manufacture)
  • Groundworkers - 1m depth limit
  • Groundworkers - 1m-3m depth limt
  • Groundworkers 3-8m depth limit
  • Groundworkers 8.01+m depth limit
  • Guttering Installation & Cleaning
  • Gym Equipment Installation
  • Harling
  • Heating & Ventilation Engineers
  • Hydraulic Engineering
  • Insulation contractors (Non-Flammable)
  • Joiners & carpenters
  • Kitchen fitters
  • Landscape gardeners ex tree felling & lopping
  • Landscape gardeners including tree felling & lopping
  • Lift Engineer
  • Lighting Engineers
  • Lightning Conductor Installation
  • Locksmith
  • Loft Conversion
  • Macadam Laying
  • Machinery Installation Not Otherwise Classified (Robust)
  • Machinery installation Not Otherwise Classified (Sensitive)
  • Masons
  • Mastic Sealant Contractor
  • Office equipment Installation
  • Painters & decorators - Other properties and over 10m height (non industrial)
  • Painters & decorators - PDH, Shops & single storey buildings up to 10m height
  • Partitioning
  • Pebble Dashing
  • Piling
  • Pipework Contractors
  • Plant hirers - no contract conditions with operator
  • Plant hirers - no contract conditions without operator
  • Plant Hirers CPA Conditions or similar - with operator
  • Plant Hirers CPA Conditions or similar - without operator
  • Plasterers - over 10m height
  • Plasterers - to 10m height
  • Playground Eqpt Install & Maint.
  • Plumbers & heating engineers inc Gas Fitters. PDH only
  • Plumbing & heating engineers inc Gas Fitters. (all other premises)
  • Property Maintenance
  • Railway & Tramways construction and alteration (Green Zone)
  • Refrigeration Engineer
  • Rigging
  • Road Surfacing
  • Road, sewer & land drainage - 8.01+m depth
  • Road, sewer & land drainage. 3-8m depth limit. (ex. Work on motorways, bridges and viaducts) Road, sewer & land drainage. 3m depth limit. (ex. Work on motorways, bridges and viaducts) Roller shutter, gate and door installers
  • Roofing contractors
  • Roughcasting
  • Safety Netting Installation
  • Satellite Dish Installation
  • Scaffolding contractors
  • Shed Erectors
  • Shelving & Racking Installation
  • Shuttering & formwork contractors
  • Sign erectors - work away over 10m
  • Sign erectors - work away up to 10m
  • Site Clearance
  • Slot Cutting
  • Soft Strip
  • Solar panel installation - Commercial over 10m height Solar panel installation - Commercial up to 10m height Solar panel installation - PDH over 10m height
  • Solar panel installation - PDH up to 10m height
  • Sound Engineers
  • Sports surfacing contractor
  • Sprinkler Install & Maintenance
  • Stairlift Install & Maintenance
  • Steel reinforcing contractors
  • Steeplejacks
  • Street Furniture Installation
  • Street Lighting Installation
  • Structural steel erectors
  • Surfacing Contractors
  • Telegraph Pole Installation
  • Telephone System Installation
  • Terrazzo Work
  • Traffic Management
  • Tree Surgeons
  • Underpinning (Hit/Miss, Sequential + <1.2m pit width) Upholsterers
  • Utilities Contractors

As we strive to understand our proposers business models, we are always open for discussion on additional trades that make up the UK SME market, that don’t immediately mirror those eligible trades and project types specified above.

Typically these will include high value timber frame risk, heavier civil engineering risk, or more generally where watercourse proximity is present, as examples’. We would be pleased to discuss matters in more detail with you, on an individual risk by risk basis.

Contractors All Risks highlight sheet

Start a quote using Victor for Brokers

or send your risk presentation to contractors@victorinsurance.co.uk