Compliance Tools · Insurance
Contractor Insurance Checker — Does Your Certificate Hold Up?
Check whether your insurance certificates contain what every major pre-qualification scheme looks for. Insurance is checked on every application — get it right before you apply.
What Your Insurance Certificate Must Show
Common Insurance Certificate Issues
Certificate in trading name, not registered name
Every scheme checks that the insured entity matches the applicant's registered company name exactly.
Policy has expired
An expired insurance certificate is an immediate fail on all schemes — no exceptions.
EL cover below £5 million
CHAS, SMAS, Constructionline, and SafeContractor all require EL cover of at least £5m.
No Employers' Liability at all
EL insurance is a legal requirement for businesses with employees. Absence is a critical failure.
Wrong business activity class
If the certificate covers office activities but you work on construction sites, it may not satisfy assessors.
Why Insurance Is Checked on Every Scheme
Insurance is mandatory on every UK contractor pre-qualification scheme without exception. Expired, mismatched, or insufficient insurance certificates are the most common reason for outright application failures — often on the first check before any other evidence is reviewed.
Ready to Check Your Documents?
Upload your compliance documents and get an instant gap analysis across CHAS, SMAS, Constructionline, SafeContractor and NRTAUK NAS.
One-off fee · No subscription · Plain-English report · Downloadable PDF
This tool provides an automated gap analysis based on uploaded evidence and rule-based checks. It is not legal advice, certification, approval, or a guarantee of acceptance by CHAS, SMAS, Constructionline, SafeContractor or any other organisation.