Contractors' Annual Insurance

  • Employers' Liability,
  • Public Products Liability,
  • Contractors' All Risks

Suits: Multinational construction corporations

Catering for a wide range of construction companies, our flexible contractors’ insurance products provide individual covers that can be packaged together on an annual policy. These specialist covers can be combined with our wider insurance products and tailored to cover the requirements of your customers.

Employers’ liability

Protection against your customers’ legal liability for damages and legal costs arising from injury to any person employed, including:

  • Compensation for court attendance in the course of their employment
  • Unsatisfied court judgements

Public and product liability

Cover for your customers’ legal liability for damages arising out of accidental injury to any person or accidental loss or damage to third party property, including:

  • Wrongful arrest or false imprisonment of a member of the public
  • Contingent motor cover
  • Legal defence costs – limit £250,000

Contractors’ All Risks

Protection against physical loss, destruction or damage to construction works during the course of construction. It may also be extended to include:

  • Maintenance – includes damage to the permanent works that occur during any maintenance or defects liability period, not exceeding 12 months duration
  • Temporary buildings (including fixtures and fittings)
  • Constructional plant tools and equipment
  • Cover for damage to hired-in property – in the event of an insured loss, your customers are covered for the value of the property destroyed
  • Employees’ tools and effects while on the site of the contract

Sweet spots

Examples of where we have a particularly strong appetite, are actively targeting, and have been found to be at our most competitive.

  • CAR in isolation
  • Renewable Energy
  • General Builders: annual Contractors Combined (including liability) over £50m turnover
  • Specific trades (i.e. Electricians): annual Contractors Combined (including liability) over £50m turnover
  • Minor/Medium Civil Engineering risks (i.e. Ground-works): annual Contractors Combined (including liability) over £50m turnover


Richard Hampson
Underwriting Leader
07768 143 084
Iain Geekie
Underwriting Leader
07771 975 081

Claims Information

From our experienced team in Manchester we provide a specialist and dedicated service for construction claims. RSA advocates the prompt settlement of every claim