Contractors' Liability

Contractors liability insurance is a must for any contractor. Claims arising for property damage and personal injury as a result of a contractors’ negligence are always a risk, and without liability insurance, UK contractors leave themselves wide open to substantial claims that could seriously impact on the profitability of their business.

Although companies can bid for work without having contractors liability insurance, UK law stipulates that if a company is found responsible for injury or damage to property whilst carrying out a contract, it will be liable for any compensation claim. So contractors need to be covered by adequate insurance in the form of contractors liability insurance, which may include public liability insurance and possibly employers liability insurance. UK contractors need to be aware of their legal obligation to provide financial compensation to any employee who sustains injury or disease as a result of their employers negligence during and in the course of their employment.