Commercial / Business Insurance
Protect The BusinessBehind The Projects
Project insurance protects your contract works. Business insurance protects your company. Your office, tools, vehicles, equipment, and liability – covered under one policy, whether you’re on site or not.
What Is It
Business Insurance For Contractors & Businesses
Commercial insurance is a broad package of covers designed to protect the operational risks of a business. For companies in construction and engineering, risks don’t stop when the project ends.
Businesses still face daily exposure from fire, theft, accidental damage, public liability, and employee incidents, none of which are covered by your Contractors All Risk policy. Commercial insurance fills that gap.
Whether you’re a small contractor or an established construction firm, this cover protects your operations from financial loss caused by accidents, theft, damage, or legal claims, ensuring that if something unexpected happens, your business can keep operating.
CAR vs. Business - what's the difference?
Contractors All Risk protects specific construction projects – the works, materials on site, and project liability. Business insurance protects the business behind the projects: your office, tools, vehicles, equipment, and ongoing liability exposures. In many cases, you need both.
What it covers
Cover sections that can be included in your policy
While every business is different, the cover is tailored to match your size, operations, and industry risks. You choose the sections that apply to you.
Business Property
Protection for buildings, offices, workshops, and contents against fire, storm, and accidental or malicious damage.
Business Interruption
Covers loss of income if you cannot operate after an insured event such as a fire or major damage. Keeps salaries paid and the company running while you recover.
Theft and Burglary
Protects tools, equipment, office contents and small plant against theft following forcible and violent entry. Critical for any business holding specialist equipment.
Public Liability
Covers claims if your activities cause third-party injury/death or damage to their property. Most contracts, landlords, and clients will require this as a minimum.
Employer's Liability
Protection for claims arising from employee injuries where you as the employer are held legally liable. Compliments your COID obligations – it does not replace them.
Tools and Portable Equipment
Cover for tools and equipment used by contractors across multiple sites. Protects owned items on an all-risk basis while off your main premises.
Goods In Transit
Protection for tools, equipment, or materials while being transported between sites, to clients, or from suppliers.
Electronic Equipment
Covers computers, servers, laptops and specialist electronic equipment used in business operations against breakdown, damage, and power surge events.
Fidelity / Employee Dishonesty
Covers financial losses caused by fraudulent or dishonest acts by employees – theft of money, stock, or assets. A critical safeguard for cash-handling businesses.
Kidnap & Extortion
Covers ransom payments and crisis negotiation costs if a director or employee is kidnapped, held hostage, or subjected to extortion demands. Also extends to hijacking, wrongful detention, and workplace violence; including trauma support where qualifying events apply.
Cyber Crime
Covers financial losses from data breaches, ransomware, and cyber extortion, including data restoration, loss of income, theft of funds, and regulatory fines. Third-party liability is included for claims arising from a breach that affects your clients or suppliers.
Motor & Trucking
Covers commercial vehicles, trucks, and trailers against accident damage, theft, hijacking, fire, and weather events and third-party liability . Suited to any business running a delivery fleet, site vehicles, or transport operations.
SASRIA
State-backed cover for loss or damage caused by civil unrest, riots, strikes, public disorder, and terrorism perils that standard insurers exclude by default. Covers business property, business interruption, goods in transit, and motor vehicles for qualifying special defined risk events.
Who NeedsThis Cover
Commercial insurance is suitable for a wide range of businesses operating within the construction and building sector, including but not limited to:
Contractors and Building Companies
Businesses carrying out construction work, renovations, and building projects.
Engineering and Consulting Firms
Civil engineers, project managers, and consulting professionals who operate offices and employ staff.
Specialist Trade Contractors
Electrical, plumbing, roofing, glazing, flooring, HVAC, solar, and other specialist contractors.
Construction Service Businesses
Scaffolding companies, plant operators, equipment suppliers, and maintenance contractors.
Even businesses that already have Contractors All Risk insurance often still require commercial cover to protect their operations outside of specific projects.
Some Important Things To Know
These are the questions we get most often from contractors and construction businesses inquiring about commercial / business insurance.
Questions Everyone Is Asking About CivilSure
1. What is the difference between Commercial insurance and Contractors All Risk?
Contractors All Risk protects specific construction projects. Commercial insurance protects the business itself, including offices, equipment, tools, and operational liability exposures.
2. Do contractors need both CAR and Commercial Insurance?
In many cases, yes. CAR covers project risks while commercial insurance covers the company’s day-to-day operational risks.
3. Can this cover include tools used on construction site?
Yes. Portable tools and equipment can often be included, depending on the insurer and policy structure.
4. Is liability included?
Most commercial policies include Public Liability cover, which protects the business against third-party claims.
5. Can this cover be tailored?
Yes. Each policy can be structured based on business size, locations, turnover, asset values, and the specific risk profile.
Protect Your Business
Construction projects carry risk, but so do the day-to-day operations of running a business. CivilSure specialises in insurance for the construction industry, helping contractors and engineering businesses structure cover that protects both their projects and their company operations. Start the process today and let our team guide you through the options.
