Contractors' All Risks

Protecting you and your equipment against the unexpected.

As part of our Commercial Select policy you can add specific contractors cover to suit the needs of your business.

Contact your local agency office

However you choose, whether in person or at the end of a phone, our Agents will be there for you when you need them most.

Cover overview

As a contractor you're exposed to risks that others aren't. We provide cover for contractors who work on construction projects, to protect against the unexpected that can affect your work, materials, plant, tools and equipment.

What's covered:

  • Damage to contract works and materials while you’re at or travelling to or from the contract site.
  • Damage to machinery or plant you own or hire.
  • Professional fees incurred for repairing or reinstating contract works.
  • Continuing hire charges where hired-in plant is damaged, up to £25,000.
  • Employees’ tools, up to £500 for any employee.
  • Recovering immobilised plant, up to £25,000.
  • Damage to hired machinery and plant, which you cause, up to £25,000.
  • Reproducing plans, drawings and specifications, up to £25,000.
  • Private dwellings you’ve built or renovated, for up to 180 days after completion.

What's not covered:

  • Damage to contract works with a certificate of completion.
  • Damage to existing structures.
  • Penalties under any contract for delay, lack of performance or loss of contract.
  • Wear, tear and gradual deterioration, and faulty or defective workmanship.
  • Theft of portable tools from unsecured areas outside working hours or from unattended vehicles unless locked, keys removed, and there is forcible entry.
  • Tower cranes and licensed vehicles.
This is not an exhaustive list, more information can be found in the important documents section.

The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.

Commercial Select Insurance

Our Commercial Select policy provides a range of covers to suit a variety of businesses.

It’s flexible so you can choose the cover to meet the needs of your business now and in the future.

Why choose us?

Why choose us?

  • Heritage

    With over 110 years of insurance knowledge and expertise, we know the industry inside and out.

    Heritage

    With over 110 years of insurance knowledge and expertise, we know the industry inside and out.

  • Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

    Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

  • Local presence

    With a network of over 280 agency offices nationwide, we can get to know you and your business.

    Local presence

    With a network of over 280 agency offices nationwide, we can get to know you and your business.

Other business products

SME Business Insurance

Our Small and Medium Business Insurance policy is suitable for businesses that have a turnover of up to £3 million.

Commercial Vehicle Insurance

Vehicles can be important to your business - from pickups and vans to larger motor fleets, we're here to help keep you on the road.

Risk Management Services

Our experts can identify the dangers facing your business and offer one to one solutions personalised to your business.

What's next?

Take out a new policy

Ready to buy a Business Insurance policy? We can help you to make sure that you get the right cover.

Existing customers

Get a new quotation, make changes to, discuss your renewal or cancel your insurance policy.

Claims

Notify us of a new Business Insurance claim or speak to us about a claim that is in progress.