Public liability, tools and contract works — tradesmen and builders insurance.
At Capital Corporate Risks, we arrange specialist insurance for tradesmen, builders, subcontractors and multi-trade firms across Dartford, Kent and the UK. Standard off-the-shelf policies often fail to keep pace with how trades actually operate — multiple disciplines on one ticket, subcontracted labour, tools on the move, and contract work in progress that needs cover from breaking ground to handover. We arrange cover that reflects how your business really runs, with indemnity limits structured to your main-contractor and direct-client requirements.
As a Dartford-based specialist broker, we work with single-trade businesses through to established multi-trade firms, with policies that scale as the business grows.
We provide bespoke policy cover for builders, tradesmen and subcontractors whose work routinely falls outside the assumptions of a generic policy. Generic commercial wordings tend to exclude the very combinations of trades, contracts and tools that define a working day on site. Our tradesmen and builders packages are built specifically for:
Cover for injury to third parties and damage to property — across domestic, commercial and main-contractor sites.
Comprehensive protection for site clearance, strip-out work and structural removal.
Robust coverage for operations involving intense heat, hot works and combustible materials.
Comprehensive protection for site clearance, strip-out work and structural removal.
Comprehensive protection for site clearance, strip-out work and structural removal.
Our tradesmen and builders packages are structured around the cover your contracts genuinely require, not arbitrary defaults. We set your indemnity limits to meet the demands of principal contractors, main-contractor framework requirements and the homeowners and commercial clients you work directly with — and we scale the cover as you take on larger projects.
Building businesses rarely stick to a single trade, and main contractors increasingly use a mix of bona fide and labour-only subcontractors. A policy that does not reflect that reality is the most common reason claims are reduced or declined. We make sure yours does.
Proper cover sits alongside the regulatory framework you already work to. We make sure your insurance respects and reflects your statutory duties under the Health and Safety Executive (HSE), with technical understanding of the obligations that govern building and trade work. Our underwriting addresses your duties under:
Our client journey moves from risk discovery to properly structured cover, then into active support when your business needs help.
A detailed review of your operation — premises, contracts, workforce, plant, vehicles and exposures.
We approach specialist insurers who understand your trade, not general panels with generic wordings.
Your cover is placed with the right insurer at the right terms — no shortcuts and no gaps.
Questions during the policy year are handled directly by your account manager, not a call centre.
When you need to claim, your dedicated Claims Manager manages the process from notification to settlement.
“As a growing building firm we needed cover that kept pace with us. They arranged public liability, tools and contract works in one straightforward policy and explained every part of it.”
Tradesmen and building clients frequently need adjacent cover for higher-risk or specialist work. Explore our dedicated insurance frameworks for:
Specialist protection for soft-strip, structural removal and high-hazard demolition exposures.
Cover for excavation, piling, underpinning and reinforced-concrete frame contractors.
Combined liability for trades that involve asbestos, height, depth or hazardous environments.
High-level liability and equipment protection for scaffold design, erection and dismantling.
Height-work and hot-works cover for flat, pitched, industrial and commercial roofing.
With proper sector knowledge, we ensure your policy is accurately rated and the right wordings are in place, reducing the risk of cover being challenged when a claim is made. Should you need to make a claim, your Claims Manager will provide one-to-one support for a fair and efficient resolution.
We manage your claims directly and conduct quarterly review processes, ensuring that as your business evolves — new trades, new contracts, more staff — your coverage adapts alongside it.
It is a flexible commercial policy package designed for builders, multi-trade contractors and subcontractors, typically combining public liability, employers' liability, tools and equipment cover and contract works in a single, contract-ready policy.
Yes. We arrange multi-trade declarations so a single policy reflects all the trades you carry out — a builder who also does some plumbing, plastering or electrical work, for example — rather than restricting you to your primary trade.
Yes. We arrange tools and equipment cover for hand tools, power tools and small plant on site, in transit between sites, and stored overnight in vehicles or premises, with limits set to real replacement values.
Yes. We arrange cover for both bona fide and labour-only subcontractors, with the indemnity limits your main contractors typically require — usually a minimum of £5,000,000 for commercial work.
For domestic work, £1,000,000 to £2,000,000 is often sufficient. For commercial main-contractor sites, £5,000,000 to £10,000,000 is standard, depending on the contract and the value of the project.
Do not leave your business, tools or contracts to chance. Contact our Dartford office to speak with a specialist account manager about your tradesmen and builders insurance needs. Fill out our quote form or call us directly.
Call Us: 01322 933 888
Email: enquiries@ccrisks.co.uk
