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:

  • Aerial Erectors 10 meter height limit
  • Aerial Erectors 15 meter height limit
  • Alarm Installers (Domestic and Commercial Work Only)
  • Anchor Fitter
  • Artexers
  • Asphalt Surface Contractor - Excluding work on roads
  • Asphalt Surface Contractors Bespoke (Inc Roads)
  • Assembler Fitter
  • Banksman excluding Crane Operators (CPCS Competent Operator Blue card holders only)
  • Bath Resurfacer
  • Bathroom Installer
  • Bedroom Furniture Installation
  • Blast Cleaning
  • Boat Cleaner
  • Boiler Services (Domestic and Non-Domestic Work) ex Heat
  • Boiler Services (Domestic and Non-Domestic Work) inc Heat
  • Boiler Services (Domestic Work Only) inc Heat
  • Boiler Services exl Heat
  • Bricklayers (10m Height Limit)
  • Bricklayers (15m Height Limit)
  • Bricklayers (No Height Limit)
  • Builders (10m Height Limit)
  • Builders (15m Height Limit)
  • Builders (Other)
  • Builders Yard/Depot
  • Bulk Earth/Rubble Removers
  • Cable Contracting
  • Car Audio/ Alarm Installers
  • Carpet and Upholstery Cleaner (Ex damage to the item being worked upon)
  • Carpet and Upholstery Cleaner (Inc damage to the item being worked upon)
  • Carpet Fitters
  • Cavity Wall Insulation
  • CCTV Installation (ex Heat)
  • CCTV Installation (inc Heat)
  • Ceiling Contractors
  • Chimney Repairs
  • Chimney Sweeps
  • Cladding Contractors
  • Cleaners (Domestic and Commercial Work Only)
  • Cleaners (Domestic, Commercial and Industrial Work)
  • Cleaning Contractors Depot
  • Concrete Operative
  • Concrete Repair & Drilling 15 meter height limit (Ex shuttering and form work)
  • Conservatory & Porch Erectors
  • Construction Plant Repairers
  • Crane Hire - Mobile
  • Curtain and Blind Fitters
  • Damp Proofing Installer
  • Data Cable Installers (Excluding Trenching)
  • Digital Aerial Installation (Domestic Only Work Only)
  • Domestic Appliance Installation & Repair (ex Heat)
  • Domestic Appliance Installation & Repair (inc Heat)
  • Domestic Oven Cleaners
  • Domestic Shed & Garage Erection
  • Domestic TV and media systems installers
  • Door Entry System Installer
  • Double Glazing Installation
  • Drain Cleaners
  • Drain Repairers - 2 meter depth limit
  • Drain Repairers - 3 meter depth limit
  • Drain Repairers - 5 meter depth limit
  • Drainage Contractors Depot
  • Draught Proofing Installer
  • Drilling Contractor
  • Drylining Contractors
  • Drystone Wallers
  • Ductwork Installers (ex heat)
  • Ductwork Installers (inc heat)
  • Earth Removers
  • Electrical Contractors (ex Heat)
  • Electrical Contractors (inc Heat)
  • Electrical Contractors Depot
  • Elementary Cleaning Occupations
  • Energy Consultant Contractor
  • Exhibition Stand Erectors ( ex raised seating )
  • Exhibition Stand Erectors (excluding spectator stands and staging)
  • Fencing Contractors
  • Fire Surround Installation
  • Fitted Furniture Installers
  • Flooring Contractors
  • French Polishers
  • Garage Door Installers/Repairers
  • Garage Erection (Domestic) 5 meter height limit
  • Garage Plant Installers
  • Gas Fitters
  • Glaziers
  • Grit Blasters
  • Ground Maintenance
  • Ground worker - 3 meter depth
  • Groundworkers - 2 meter depth limit
  • Groundworkers - 5 meter depth limit
  • Gutter Cleaners
  • Guttering & Fascia Board Contractor (Commercial)
  • Guttering & Fascia Board Fitter
  • Gym Equipment Installers
  • Heating or Ventilation Contractors Depot
  • Heating, Gas Fitters & Plumbing Contractors ex heat
  • Heating, Gas Fitters & Plumbing Contractors inc Heat
  • High Pressure Water Washing Contractors
  • Hoarding Erectors
  • Hod Carrier
  • Home Laundry and Ironing Service
  • Hygiene and deep cleaning contractors
  • Interior Designers and Decorators
  • Kerb & Paving Layers
  • Kitchen Installers (Domestic and Commercial Work)
  • Kitchen Installers (Domestic Work Only)
  • Land Clearance
  • Laundries, dry cleaners and pressers excluding shop type premises
  • Lift Installation
  • Light Haulage Contractors
  • Lighting Consultants
  • Lightning Conductor Contractor
  • Locksmiths
  • Loft Conversion Contractors (10m Height Limit)
  • Loft Conversion Contractors (15m Height Limit)
  • Loft Insulation Contractors
  • Manual Handling Instructors
  • Mastic Sealant Constractors
  • Medical Furniture Installers
  • Mobile Machine Drivers and Operatives
  • Non-Destructive Testers 15 meter height limit
  • Office Fitters
  • Paint Spraying
  • Painters & Decorators (ex Heat)
  • Painters & Decorators (inc Heat)
  • Painting and Decorating Contractors Depot
  • Partitioning Contractors
  • Paths, Drives & Patio Cleaners (Excluding Cleaning of Buildings)
  • Paving Path, Drive and Patio Contractors
  • Pebble Dashing Contractors
  • Pest Controllers (excluding fire arms)
  • Pest Controllers (including fire arms)
  • Pipe Cleaning
  • Pipe Fitters
  • Plant and Machine Operatives
  • Plasterers
  • Playground Equipment Installers
  • Plumbers, Gas Fitters & Heating Contractors ex Heat
  • Plumbers, Gas Fitters & Heating Contractors inc Heat
  • Plumbing Contractors Depot
  • Property Maintenance and Repair
  • Racking and Shelving Installers
  • Refrigeration Contactors Depot
  • Road Surfacing & Road Marking Excluding traffic management and coning contractors
  • Road Sweeping
  • Roller Shutter and Door Installation
  • Rustproofing Services
  • Safe Installers
  • Satellite Dish Installers and Repairers (Including Commercial Work)
  • Security Light Fitters
  • Shed Erection (Domestic) 5 metre height limit
  • Shop Fitters
  • Sign and Poster Maintenance
  • Sign Erectors
  • Site Clearance
  • Skip Hire
  • Solar Panel Installation
  • Sound Equipment Installation
  • Sound Proofing
  • Sports Surfacing Contractors
  • Sprinkler Installers (Excluding Heat Use)
  • Sprinkler Installers (Including Heat Use)
  • Stair Lift Installer (Domestic Work Only)
  • Steam Cleaning (External)
  • Steel Erectors
  • Stonemasons
  • Street Furniture Installers
  • Street Lighting & Telegraph Pole Installers 15 metre height limit (Ex Pylons)
  • Tilers (No Roofing)
  • Ventilation Contractors
  • Water Fitter
  • Wheel Clamping Contractor
  • Wheelie Bin Cleaning
  • Window Cleaners (Domestic & Light Commercial Work Only)
  • Window Cleaners (Water Pole Washing System Only)
  • Window Cleaning (including cradles/slings)
  • Window Film Installers
  • Window Installers - 15m Height Limit (Restricted Locations)
  • Window Installers - No Height Limit (Non Restricted Locations)
  • Woodworm & Dry Rot Control

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.

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