Everything brokers need to know about our Contractors All Risks (CAR) scheme

March 24, 2025

Every construction project, no matter the size, carries some risks – whether it’s damage to works in progress, loss of essential equipment, or unexpected delays that can impact timelines and budgets.

If you have clients who are contractors, ensuring they have the right level of insurance protection can be essential – but finding the right cover isn’t always straightforward.

That’s where our Contractors All Risks (CAR) scheme comes in. Designed specifically for contracting businesses, our scheme offers comprehensive cover, flexible underwriting and competitive premiums, helping brokers provide the best solutions for their clients.

If you have clients in the construction sector, here’s everything you need to know about our Hiscox-backed Contractors All Risks scheme.

What is Contractors All Risks Insurance?

Contractors All Risks insurance can provide cover for construction projects and the risks that come with them. Unlike standard liability insurance, which only covers damage caused to third parties, CAR insurance ensures that the work being carried out is also protected.

Key areas of cover include:

  • Contract works – protecting the construction project itself against risks like fire, theft, or accidental damage
  • Own plant and hired-in plant – cover for machinery and equipment, whether owned by the contractor or hired for a specific project
  • Temporary buildings – protection for site offices, storage units, and other temporary structures
  • Employee tools – ensuring workers’ tools and equipment are covered if stolen or damaged
  • Terrorism cover – providing peace of mind against acts of terrorism affecting a project.

Whether your clients are working on residential renovations or large-scale commercial developments, having the right CAR policy in place is crucial.

Why brokers should choose Yutree’s CAR scheme

At Yutree, we specialise in flexible, broker-exclusive underwriting to help you secure the best cover for your clients. Our CAR scheme is underwritten in-house and backed by Hiscox, ensuring high-quality cover with a strong security rating.

What makes Yutree different?

  • Exclusive broker-only quotations giving you access to tailored solutions not available elsewhere.
  • Dedicated underwriting support as our experienced team is available to discuss risks and structure the right cover for your client.
  • Flexible underwriting designed to accommodate a variety of project sizes and industry-specific requirements.
  • Wide trade eligibility to provide cover for an extensive range of contracting businesses, including:
    • Builders
    • Cleaners
    • Groundworkers
    • Heating and ventilation contractors
    • And many more…

With competitive premiums and a simple placement process, Yutree makes securing the right CAR insurance easier and more efficient for brokers.

Get a quote for Contractors All Risks

Start your quote

Flexible cover options for your clients

Every construction project is different, and Yutree provides multiple options to ensure your clients get the cover they need.

Annual policies or short-term contracts

Whether your client is working on a one-off project or multiple contracts throughout the year, we can offer a tailored policy.

Standalone plant and contract works cover

We can provide cover for specialist machinery such as:

  • Tunnelling equipment
  • Piling rigs
  • Cranes, excavators, and more

High contract limits accommodated

We can consider substantial projects that require higher levels of protection.

With tailored underwriting and flexible policy options, brokers can secure the right protection for clients working on everything from minor refurbishments to large-scale developments.

At Yutree, we understand that speed and affordability matter when placing business. Our CAR scheme is designed to offer:

  • Premiums starting from just £500, making it accessible to businesses of all sizes.
  • No proposal form required, reducing admin and making it quicker for brokers to secure terms.
  • 24-hour quote turnaround, ensuring you can respond promptly to client enquiries.
  • Flexible indemnity limits – Choose from £2m, £5m, or £10m limits, depending on client needs.

We’re committed to making life easier for brokers, with streamlined processes that let you focus on winning and retaining clients.

How to get a quote

We’ve made it simple for brokers to place Contractors All Risks business with us:

With our dedicated support, fast turnaround times and competitive terms, Yutree is the perfect partner for brokers looking to place CAR business with confidence.

When it comes to Contractors All Risks insurance, flexibility, speed and underwriting expertise matter. Our CAR scheme is designed to help brokers secure the right cover for their clients, without unnecessary delays or complications.

If you have a client with a construction risk that fits our scheme, get in touch today and see how we can help.

At Yutree, we provide industry leading solutions for all contracting trades – from the smallest to the largest firms.

Learn more about how Yutree can help your business and get a quote today:

Start your quote

Latest Posts