Contractors All Risk Insurance

SME Insurance

Contractors All Risk Insurance

Contractors often work in a wide range of different environments, each with their own diverse risks and potential perils which could easily threaten the ability to carry out the work you have been contracted to do.

Whilst all construction sites are different, there are still common risks and threats shared by them all. The risk of tools being lost, stolen or damaged is a danger to keep in mind where you work on construction sites.  Without your tools, you are unlikely to be able to carry out the work you have been given.

Contractors All Risk insurance is designed for your various business liabilities as a contractor, as well as to offer you protection for the tools and equipment you rely on for your trade.  The risks might be varied, from floods and fire through to malicious damage or theft. Contractors All Risk insurance can protect you against these risks.

Insurance for Contractors

Seeing as there are so many different types of contractor, work sites and risks involved, it makes sense that one insurance policy may not be the best answer for everyone.  At Erskine Murray, we work with a wide range of insurance providers to bring you the right products to suit your needs.  Contractors All Risk insurance policies can cover a large range of risks and protect you, your business and your tools effectively.

The areas your Contractors All Risk insurance may cover are:

  • Contract Works: the building works themselves, whether the work is in progress or a completed structure
  • Tools, Plant & Equipment: Cover can be provided against theft, loss or damage to your tools, plant and equipment, with compensation for the cost of hiring additional tools to replace those lost.
  • Temporary buildings: Cover can be provided which provides cover for loss or damage to temporary buildings erected on site
  • Architect Drawings: cover can include replacing architect’s drawings in the event of them being lost or damaged as a result of one of the insured risks
  • Show home contents: It is common for Contractors All Risk insurance to cover the contents of show homes.
  • Completed works: Once buildings are completed, it is common for Contractors All Risk insurance to extend cover until the property is sold, or for a set number of days after completion of the work.

Insurance Packages for Contractors

Whilst Contractors All Risk Insurance policies can cover a great deal of your work, there are sometimes areas which need additional cover for complete protection and peace of mind. Our team here at Erskine Murray would be happy to assist you with finding the ideal package of cover to complete your insurance package. Get in touch with us today to discuss your needs with our team.

SME Insurance by Sector


Cyber attacks are a rapidly growing, see how we ensure you are protected. 

Directors’ and Officers’

Often referred to ad 'D&O', this policy is designed to defend individuals against damaging claims.

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.


One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.


Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Motor Trade

For dealerships, mechanics, valeters, bodyshops and everything in-between, we've got you covered.


Including buildings, contents, liability, unoccupied and rental protection.

Golf Course

Golf courses possess specific risks which specialised golf course insurance can help protect you against.


Whether you are a small independent bakery, or a larger chain, it is vital you consider your level of business insurance.

IT Contractors

From basic repairs and builds through to emergency cover, your clients call on you for your expert knowledge and skill.

Coffee Shop

There are many risks associated with not only running a successful business, but in serving hot drinks and food to the public.


Professional indemnity insurance is an important policy, as you are offering professional services to other people & businesses.


Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Wholesalers Insurance

Erskine Murray can help wholesalers to find the appropriate insurance to manage the risks to your industry and provide the right protection for your business needs.

Tech Start Up Insurance

Here at Erskine Murray, we make it easier for you to cover and protect your business with several appropriate policies packaged together.

Media Professionals Insurance

The media and marketing industries can be vulnerable to claims of negligence for what are in fact basic errors.

High Net Worth Insurance

High net worth insurance is ideal for people with high profile occupations such as sports people, actors, singers and other people in the public eye.

Graphic Designer Insurance

As the risks can be fairly wide ranging, there are lots of appropriate insurance policies which can be useful for graphic designers.

Consultants Insurance

As a consultant, your clients rely on you for your service and advice as well as being an expert in your field of work.

Civil Engineering Insurance

At Erskine Murray we understand the many risks associated with those involved with working at height, extreme depth and working with asbestos.

Business Owners Policy Insurance

Business Owners Policy, is an enhanced business insurance policy which combines property insurance alongside general liability insurance.

Domiciliary Care Insurance

If you are a self-employed carer, or you run a home care business, you are in a position of trust and responsibility.

Contractors All Risk Insurance

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.