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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.

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What Does Contractors All Risk Insurance Cover?

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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.

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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.

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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.

In Just Three Steps

Fast, Tailored, and Complete Insurance

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

Step 1
Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

Step 2
Step 3

Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

Step 3
Independent Insurance Broker

Independent Insurance Broker

UK-Based

UK Based Support

Tailored-Quotes

Tailored Quotes

FCA regulated and Trusted

FCA Regulated & Trusted

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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.

Testimonials

What Our Clients Say

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“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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