Liability Insurance for Contractors - Available for over 400 trade types

The ever-present risk of injury, damage and the resultant litigation coupled with growing regulation & legislation, mean that, today more than ever, businesses need the protection of Public and Employers’ Liability Insurance. Our General Liability Policy is designed to meet the needs of larger, more complex businesses and is available for over 400 trade types.

We are able to insure most companies operating in this sector, including cover for their ancillary activities, such as plumbing works where this forms a small proportion of the risk

Rates are dependent on number of years trading, claims experience, activities conducted and areas worked, with discounts available for trade association membership

Key points:

Cover arranged with “A” rated carriers. 

Statement of fact basis – no need for proposal form.

Ability to cover low risk trades working at high risk locations.


The Liability Policy is designed for risks written on a wages and turnover basis. Cover can include the following as standard but higher limits may be available on request:

Public Liability – up to £5 million with the option to include treatment liability where required.

Products Liability – up to £5 million with the option to include exports to the USA/Canada  where required.

Employers’ Liability £10 million

Essential Business Legal Solutions (Legal Expenses).

The following is not an exhaustive list but, offers a guide to the types of risk suited to our General Liability Policy:

  • Electrical Contractors 
  • Air Conditioning and Refrigeration Engineers Contractors
  • Heating, Ventilation Contractors, Gas Fitters & Plumbing Contractors
  • CCTV Installers 
  • Ceiling Contractors
  • Sprinkler Installers (inc Heat) & (exl Heat) 
  • Double Glazing Installation Installers
  • Damp Proofing Installers
  • Drain Repairers - 5 Metre Depth Limit
  • Loft Conversion Contractors (15m Height Limit)
  • Drain Repairers - 5 Metre Depth Limit 
  • Builders (15m Height Limit)
  • Fire Surround Installation
  • Street Lighting & Telegraph Pole Installers 15 metre height limit (Ex Pylons)
  • Blind Manufacturers
  • Boat Cleaners
  • Pest Controllers (including fire arms)
  • Couriers
  • Flooring Contractors
  • Bricklayers
  • Drain Cleaners
  • Guttering & Fascia Board Fitter
  • Cleaning Contractors
  • Carpet and Upholstery Cleaner (Inc damage to the item being worked upon)
  • Security Manned Guarding Contractors
  • Party Planners and Wedding Organisers
  • Window Cleaners (Domestic & Commercial Work)
  • Window Cleaning (including cradles/slings)
  • Painters & Decorators
  • Ductwork Installers (inc heat)
  • Sign Erectors
  • Alarm Installers 

Our details:

You can contact us by phone or email – whatever works for you. Just pick from the options below:

Phone: 0203 488 7193

Click this link: (Get a quote)



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Capital Indemnity Ltd are Authorised and Regulated by the Financial Conduct Authority. Our FCA Number is 936947. Our Registered Offices are at 15 Seymour Street, London, SE18 6SX. Our Companies House Number is 12904305. Our ICO Registration Number is ZA876843.