United Kingdomcontractor insurance & bonding requirements
Updated April 2026 · Source: UK Employers' Liability Compulsory Insurance Act 1969 + CITB
Minimum requirements
- General liability
- $6,000,000
- Auto liability
- $1,000,000
- Workers' comp
- Required for crews
Licensed general contractors in United Kingdomcarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
Employers' Liability Insurance minimum £5M (~$6M). Public Liability customarily £2M+. Gas Safe registration mandatory for gas.
Common questions
What insurance does a United Kingdom general contractor need?
A United Kingdom general contractor needs at minimum $6,000,000 general liability coverage plus $1,000,000 auto liability. Workers' compensation insurance is required for crews. Per UK Employers' Liability Compulsory Insurance Act 1969 + CITB.
How much is the surety bond for United Kingdom contractors?
United Kingdom does not require a state-level surety bond for general contractors. Employers' Liability Insurance minimum £5M (~$6M). Public Liability customarily £2M+. Gas Safe registration mandatory for gas.
Who is the licensing authority in United Kingdom?
UK Employers' Liability Compulsory Insurance Act 1969 + CITB is the authority for United Kingdom contractor oversight. Public license lookup is available at https://www.hse.gov.uk/pubns/hse40.pdf.
How does AskBaily verify contractors in United Kingdom?
AskBaily runs automated verification against UK Employers' Liability Compulsory Insurance Act 1969 + CITB before a contractor is matched to a homeowner project. The pro's license number is validated live at signup.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in United Kingdom can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under UK Employers' Liability Compulsory Insurance Act 1969 + CITB. That's why AskBaily's policy is to match only verified pros.
AskBaily cities in United Kingdom
Homeowners in these cities can chat with Baily today; matched pros must meet the requirements above.
Ready to join AskBaily as a United Kingdom general contractor?
Start your application →