Contractors insurance: cover for the trade
Protect your business today against accidental injuries, damages, and financial losses. Work smarter and safer with Oracle.
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Jay has been really helpful with all of our insurance policies from home to motor. The way Oracle’s system works with the portal is so easy to use I couldn’t recommend them highly enough.
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Brilliant service once again. I enquired about house insurance on a Friday afternoon as our renewal premium had more than doubled! Oracle not only came back with a quote out of hours, but we’re now paying a third of the renewal quote! We wouldn’t go anywhere else for our mortgage, life or house insurance.
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Jay was extremely helpful and knowledgeable, allowing us to swiftly move our house insurance for a fraction of the renewal price quoted elsewhere (after 14 years with no claims). Thank you Jay and Oracle for working through these unprecedented times!
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From start to finish Conor and the team were quick, friendly and always happy to answer any questions which in turn lead to our mortgage being approved. Great level of service, thank you.
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Lorna, thank you for all your help with our mortgage and loan so we could get our property. We are so thankful and will never forget all the help, advice and excellent level of service you provided.
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Comprehensive insurance to cover all bases
Any builder, electrician, plumber, carpenter, or tradesperson could tell you that accidents happen. Our contractors insurance isn't just a safety net. It covers accidental injuries to employees or clients, property damages, and even financial losses from claims. With policies tailored to your unique contractor needs, we make sure that you're financially protected against the burdens of unexpected incidents. Let us give you peace of mind, so you can focus on what you do best.
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Trading answers for your questions
Here's some answers to the most common contractors insurance queries, all in one place.
What is Contractor Insurance?
Contractors, each with their own speciality, should insure themselves against accidental injury to clients or employees, or property damage. A claim could financially impact your business. Insurance transfers this risk, and Oracle can source the right policy for you.
Why is Contractors Insurance needed?
Since the construction industry is one of the highest-risk industries for injury and damages, contractors insurance gives cover for any unforeseen circumstances. This gives contractors peace of mind and financial security in the event of any incidents.
What cover can a Contractors policy provide?
A Contractors policy can cover Public Liability, Product Liability, Employers Liability, Contract Works, Property, Stock, Tools & Equipment, ensuring comprehensive protection for various risks associated with contracting work. Speak to our team to talk through any specifics that you need.
Do I need insurance before starting work as a contractor?
Insurance is crucial before commencing work, as claims can arise at any time. Oracle can help arrange the necessary cover, ensuring you’re protected from the start.
Are tools covered on site?
Tools coverage requires taking reasonable measures to prevent theft or damage. While leaving expensive tools on-site is discouraged, securing them in a locked building with controlled access may allow for coverage.
What is 'Contractors All Risk Cover' and who needs it?
Contractors All Risk (CAR), also known as Contract Works Insurance, covers construction risks for ongoing work on a site, protecting against unforeseen loss or damage. Contractors involved in long-term projects on-site should consider this insurance.
Do Sub-Contractors need to be covered on the policy?
Both labour-only and bona fide (those with their own insurance) subcontractors must be noted. Labour-only subcontractors, under your direct control, are treated as employees, necessitating employers liability insurance. Bona Fide subcontractors’ details are needed as a contingency, as claims may initially target the main contractor.