Your People
Employees and other people working for your business can create responsibilities and potential liability exposures that need careful consideration.
From builders and electricians to roofing contractors and specialist trades, Dixons helps UK contractors arrange commercial insurance designed around the work they actually do.
Your vehicles may be essential to your business, but they're only one part of the picture. Construction and contracting businesses face risks across their people, projects, equipment and customers.
Employees and other people working for your business can create responsibilities and potential liability exposures that need careful consideration.
Construction work can involve contracts, work in progress, materials and property on site, all of which can introduce additional risks.
Tools, plant and equipment can represent a significant investment for contractors and may be essential to completing your work.
Working on customers' premises and carrying out construction activities can expose your business to claims involving people or property.
Contractors Insurance is designed to help businesses consider the different risks that can arise from carrying out contracting and construction work.
Depending on your business, the work you undertake and the sections selected, a Contractors Combined policy can bring several areas of insurance together under one policy.
A Contractors Combined policy can be arranged around the individual risks of your contracting business, with the sections of cover selected according to your requirements.
Talk to Dixons →Every contracting business is different. The work you carry out, the people you employ and the equipment you use can all affect your insurance requirements.
Insurance considerations for building contractors and construction businesses carrying out a range of building work.
Insurance for electrical contractors carrying out installation, maintenance and specialist electrical work.
Insurance considerations for roofing contractors and scaffolding businesses working across construction sites.
Insurance considerations for plumbing, heating and related contracting businesses.
Insurance considerations for joiners, carpenters and businesses carrying out specialist woodwork.
Insurance for specialist trades and contractors whose requirements don't fit neatly into a standard category.
Choosing commercial insurance isn't simply about finding a policy. It's about understanding your business, the work you undertake and the risks that matter to you.
Our focus is commercial insurance, helping businesses consider the risks associated with what they do.
As an independent commercial insurance broker, we can consider insurance options from across the market.
Dixons has been helping businesses with their commercial insurance since 1981.
We aim to understand the business behind the policy and provide ongoing support when your insurance needs change.
Insurance can be difficult to understand until you see how it relates to the situations contractors can face in everyday work.
A member of the public is injured while you're carrying out work at a customer's property. Your business may face a claim alleging that you were legally responsible for the injury.
Something goes wrong while you're carrying out work and accidental damage is caused to property belonging to your customer or another third party.
Tools and equipment can be essential to completing your contracts. Damage to insured equipment could leave you facing an unexpected cost and disruption.
Construction projects can involve materials, work in progress and other property connected with a contract. Damage during a project can create significant disruption.
Contractors Insurance can cover a range of different risks, depending on the business and the policy arranged. Here are some of the questions we're commonly asked.
Contractors Insurance is a broad term used to describe insurance designed around the risks faced by businesses carrying out contracting or construction work. A Contractors Combined policy can bring together different sections of cover, depending on the requirements of the business.
Depending on the policy, Contractors Combined Insurance can include sections such as Employers' Liability, Public & Products Liability, Contract Works, Own & Hired-in Plant and Tools, Specified Items and Commercial Legal Expenses. The exact cover will depend on the individual policy and policy schedule.
Public Liability Insurance can be important for contractors because construction work can involve members of the public and third-party property. The appropriate level and scope of cover will depend on the work your business carries out and your individual circumstances.
Employers' Liability Insurance provides protection against certain liabilities arising from injury to employees in connection with their employment. Whether you require it depends on your circumstances and how your business operates.
Some Contractors Combined policies can include cover for specified own and hired-in plant, tools and business equipment. The items insured, limits and circumstances covered will depend on the individual policy.
Contract Works cover can provide protection for insured contract works, subject to the policy terms, conditions, exclusions, limits and the cover selected.
There isn't a single price for Contractors Insurance. Premiums can depend on factors such as the type of work you undertake, turnover, employees, contract values, claims history, the covers required and the limits selected. We can discuss your business and obtain appropriate quotations.
Yes. If you already have contractors insurance, we can discuss your current arrangements, understand what your business does and consider whether the insurance programme continues to reflect your requirements.
Whether you're an established construction business, an independent contractor or a specialist trade, we can discuss what you do and help you understand the insurance options available for your business.