As seen in

Labour-only subcontractor: who writes it?

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389 UK insurers, MGAs and Lloyd's markets mapped390+ trade appetites100% independent, no paid ranking
FCA-regulated firm (FRN 1035997)
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120 markets matched

For: Labour-only subcontractor

Underwriter briefReady

What underwriters will focus on

Labour-only subcontractor: prioritise EL/PL, with CAR only if contractually required. Underwriters will focus on the actual trade, who employs and supervises workers, wage roll and contractual liability allocation.

Where to start

  1. Victor InsuranceSpecialist MGA offering EL/PL, with CAR and plant options if the subcontract creates those exposures.
  2. Original UnderwritingConstruction-focused cover range includes EL/PL alongside CAR and plant, making it a potential fit for site-based subcontracting.
  3. Specialist market lockedAppetite fit and referral checks locked
  4. Specialist market lockedAppetite fit and referral checks locked
Hard to place?
Victor InsuranceMGAStrong fit★ Specialist appetite
Risk carried byi

AXA Insurance UK; MSIG Europe; AXIS (Lloyd's Syndicate 1686); HSB Engineering Insurance (varies by product) Source

How to trade

Quote online (own portal) · Victor for Brokers Source

Appetite
Specialist MGA offering EL/PL, with CAR and plant options if the subcontract creates those exposures.
Check
Check trade acceptance, labour-only arrangements, height/depth limits and any hazardous work.

ELPLCARPlantProperty

Broker site

Placed with them? Say how it went.
Original UnderwritingMGAStrong fit★ Specialist appetite
Risk carried byi

QBE (UK entity not specified) Source

How to trade

Submit to underwriter Source

Appetite
Construction-focused cover range includes EL/PL alongside CAR and plant, making it a potential fit for site-based subcontracting.
Check
Confirm standalone EL/PL availability, worker supervision and principal contractors’ insurance requirements.

CARPlantELPL

Broker site

Placed with them? Say how it went.
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
+113 more markets locked
118 more markets + remaining specialist brief picks

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As seen inFCA-regulated firm (FRN 1035997)

Market Index

See all 389 markets

UK markets that write labour-only subcontractor risks

We found 120 UK markets that write labour-only subcontractor risks: 32 insurers, 85 MGAs and 3 Lloyd's markets. Commonly listed: Victor Insurance, Original Underwriting.

Top 10 markets for labour-only subcontractor risks

  1. Victor Insurance (MGA)
  2. Original Underwriting (MGA)
  3. Premco (Premier Commercial) (MGA)
  4. Gem Underwriting Agency (MGA)
  5. Artes Specialty (MGA)
  6. Imperial Underwriting (MGA)
  7. RSA (Insurer)
  8. QBE (Insurer)
  9. Travelers (Insurer)
  10. Berkshire Hathaway Specialty Insurance (Insurer)

Placing notes

Employment status is the sticking point, as main contractors often treat labour-only subcontractors as employees for employers' liability. Underwriters ask about trades, whether tools or materials are supplied, CIS status and contract requirements.

Also known as

LOSC, labour-only sub, CIS subcontractor, self-employed tradesperson

For insurers and MGAs

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