Kingsbridge Contractor Insurance
Construction Insurance
Protect your projects and business with Construction Insurance designed for contractors and trade professionals all across the UK, right here at Kingsbridge.
Our full insurance for contractors package policy includes:
- Flexible payment options
- Professional indemnity retroactive cover at no extra cost
- A dedicated internal claims handler
Why do you need reliable insurance for construction?
We know that working on a construction site comes with its fair share of risks, whether that’s accidental property damage or unexpected legal claims. All it takes is a single accident or incorrect professional advice to jeopardise your business. Here at Kingsbridge, we offer comprehensive protection for construction firms and individual construction workers, so you can win more work and safeguard your earnings.
Here’s why you need a proper insurance:
- Mandatory site access requirement, meeting the £2million, £5million, or £10million public liability standards required by clients and principal contractors before you can start work
- Financial protection against major claims, covering third-party injuries and property damage that could otherwise threaten your business
- Vital injury security, covering payouts for any employee claims
- Personal accident cover that can replace lost earnings if you are injured
Do I need construction insurance?
Insurance requirements might vary depending on how you work. That’s why it’s important to find cover that fits your business type and trade risks.
At Kingsbridge, we help:
Construction firms and limited companies: Growing businesses who need comprehensive insurance packages to manage multiple employees and high-value contractors.
Individual contractors and freelancers: Including independent contractors who need tailored cover to protect their personal liability while working with clients.
We can help a wide range of trades get the insurance package they need, from energy, oil, & gas contractors to engineering contractors.
Why UK contractors choose Kingsbridge
When working in the construction industry, you need a specialist who understands the risks you can face every day. Here’s why thousands of contractors choose us for their construction insurance all across the UK:
✔️ All-in-one comprehensive bundles – We combine core covers into a single, streamlined package
✔️ Specially designed plans – Our policies are specifically designed to match the demands of construction contracts, helping you stay compliant with industry regulations
✔️ Price Promise guarantee – We believe in great value without any hidden catches
✔️ Fast set-ups – Get sent your policy documents immediately, so you can get straight to work on site
✔️ Ongoing support & advice – Proven by our great customer testimonials, our dedicated team are here to guide you smoothly through the process
Everything you need for proper construction insurance in the UK
We’ve tailored our policy package to provide one of the most comprehensive collections of cover a construction business or contractor might need. And that’s not even the best bit…we keep it affordable too.
Our cover can include:
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Professional Indemnity
Professional Indemnity
Protects you from the financial consequences of professional negligence. This includes giving bad advice to making a mistake during your work. This policy will cover your legal defence costs and any damages awards to the claimant.
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Public Liability
Public Liability
Provides cover when a third party is injured or their property is damaged due to the actions of a limited company contractor or business. It will cover the costs of any damages awarded, as well as any related legal fees, costs, or expenses.
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Employers' Liability
Employers' Liability
Covering any injury to an employee. £10,000,000 any one claim limit with no facility to alter/remove.
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Personal Accident Cover
Personal Accident Cover
Occupational personal accident provides cover if you are injured at work or whilst commuting to work. This could either be a weekly amount of £500 a week or a lump sum, depending on the circumstances.
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Directors’ & Officers’ Liability
Directors’ & Officers’ Liability
Providing cover for legal fees that you could be held accountable if your business was accused of financial mismanagement, a health and safety failure, a legislative breach or a breach in company law.
Insurance for construction: FAQs
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How much will my construction insurance cost?
The overall cost of your construction insurance will depend on a variety of things, such as your level of cover, your trade and scope of work, what equipment you use, and whether your claims history is clean. We make it easy for you to add up the costs. Get a tailored quote from us in just a matter of minutes.
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What documents will I receive for my Construction Insurance?
You’ll be instantly emailed a policy schedule, policy wording, and an employer’s liability certificate right after you purchase your insurance. The schedule confirms the level of cover and can be used by you to confirm your cover arrangements to agencies, recruiters, and clients.
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What level of public liability cover do I need for a construction site?
While public liability insurance isn’t legally mandated, most main contractors and site managers will want a required level of cover before allowing you on site. Always check your contract or site manager’s requirements first. At Kingsbridge, we have a range of cover limit options up to £10million, with instant proof of cover sent straight to your inbox.
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How can I make a claim on my Construction Insurance policy?
We ensure that making a claim is easy and straightforward. Contact our dedicated claims team immediately and submit your policy details along with supporting evidence. One of our claims handlers will review your case and keep you updated throughout the process.
