From new builds to refurbishments, construction sites are high-risk environments. Contractors All Risk Insurance (CAR) is designed to safeguard builders, contractors, and developers from the unexpected—whether it’s on-site damage, theft, or liability.
What is Contractors All Risk Insurance?
Contractors All Risk Insurance is a comprehensive policy tailored for construction professionals. It protects your building works, tools, plant, and materials while also offering liability cover, helping to ensure that accidents or setbacks don’t derail your project—or your business.
Whether you're working on residential extensions, commercial renovations, or large-scale developments, this cover helps shield your business from financial losses caused by incidents outside your control.

Our policies can be customised to suit the scale and complexity of your projects. Typical cover includes:
Contract Works Insurance
Protection for the building work while it’s in progress.
Public Liability Insurance
For third-party injury or property damage claims.
Employers’ Liability Insurance
Required if you employ staff; covers work-related injuries or illness.
Own Plant and Equipment
Covers damage or theft of your own machinery and gear.
Hired-In Plant Cover
Covers machinery and tools hired for the job.
Tools Cover
Optional protection for portable tools on-site or in transit.
Temporary Buildings
Covers site huts, storage cabins, and welfare units.
Off-Site Storage and Transit
Covers materials in storage or being transported.
How Much Does Contractors All Risk Insurance Cost?
The cost of your policy depends on several key factors, such as:
The size, value, and duration of your project
Your business size and number of employees
The type of work you do (e.g., residential vs. commercial builds)
The level and types of cover you select
Your claims history
Smaller builders or sole traders may pay a few hundred pounds annually for basic cover, while larger firms with extensive equipment and higher project values may require a more tailored policy starting from £1,000+ annually.
We offer flexible quotes with monthly payment options to help you stay protected without disrupting your cash flow. Get in touch for a fast, competitive quote tailored to your specific project and risk profile.
Who Needs Contractors All Risk Insurance?
Ideal for:
General builders & developers
Roofing and scaffolding firms
Electricians and mechanical contractors
Groundworkers and bricklayers
Renovation and refurbishment companies
Civil engineering firms
Whether you're working on a single project or multiple sites, we’ll tailor your cover to match your business.
Specialist Construction Trades We Cover
Not all projects are built the same—so we make sure to support the specialist trades that require tailored protection. We understand the unique challenges faced by non-standard builders and offer cover that’s built for your sector.
We work with:
Timber Frame Construction Specialists
Steel Frame and Modular Building Contractors
Cladding and Façade Installers
Green/Environmental Builders
Basement Conversion and Excavation Firms
Heritage and Restoration Contractors
Structural Repair Specialists
Whether you're working with prefabricated materials or managing complex site logistics, we’ll help you choose the right level of protection—including contract works and liability cover suited to your specific building method.
Why Choose Crowthorne?
Bespoke policies for all trades and project sizes
Competitive pricing with payment flexibility
Trusted by construction professionals for over 25 years
Fast, knowledgeable support and hassle-free claims
What Our Clients Say
“I’ve been on enough sites to know things can go wrong in a second."
That’s why I don’t cut corners with insurance. Crowthorne gave me solid cover that included tools, hired plant, and public liability—all under one policy. The team was knowledgeable and helped explain what I did and didn’t need, which saved me money and stress.
Fast, Tailored, and Complete Insurance
Quick Contact
Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.
Tailored Insurance Review
Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.
Finalise Your Cover
Explore your options and select the policy that best matches your requirements and budget.

Independent Insurance Broker

UK Based Support

Tailored Quotes

FCA Regulated & Trusted














Let’s Talk Insurance On Your Terms
We know insurance can feel complicated and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.
Guaranteed callback within 30 mins
Honest advice from our experts
Insurance that is tailored to you
Simply fill in the form today and a member of our team will be in touch.
“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Crowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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