Cover is available for smaller contractors on a per capita basis or for larger firms on a traditional wages and turnover basis.

Per Capita Liability

Designed for firms with 1 to 10 employees with turnover up to a £1 million.

  • We have a wide trade appetite, including facilities to accommodate high risk construction trades
  • Contractors All Risks can be covered on a separate contract

Quotes and cover facilities for our Per Capita Liability product are available at


Package with Contractors All Risks, Public Liability and Employers€ Liability, suitable for building and allied trades.

  • Contractors All Risks and Liability covers can be written in isolation
  • We accept risks with high BFSC proportion of turnover and wage roll
  • Non-negligent Liability cover is available in isolation
  • Public Liability excess of loss limits are available to £50 million
  • We will consider providing cover for existing structures
  • Long term contracts
  • Single project cover available.