Site Index
  • Materials+7.2%year to Sep 2026
  • Output-0.2%Aug 2026, month
  • Insolvencies3,873building firms, 12 months
  • Bank Rate4.00%since 5 Nov 2026
  • Late interest11.75%statutory, now
  • Min wage£12.7121 and over
  • Employer NI15%2026/27
  • Site deaths25construction, 2025/26
CQ Studio

About

An independent publication explaining insurance for UK contractors and tradespeople.

What we do

We explain what the rules and the policy wording mean on a real job. We do not sell or arrange insurance, we are not authorised by the Financial Conduct Authority, and we do not recommend specific policies.

How guides are checked

Legal and regulatory statements are checked against primary sources such as GOV.UK, the Health and Safety Executive, legislation.gov.uk, the FCA and the FSCS. Each guide lists those sources with the date we accessed them.

Our articles are drafted with the help of AI tools and then checked against those sources. They have not yet been reviewed by a qualified insurance professional or solicitor. Please treat them as a starting point and confirm anything important with your broker or adviser.

How we are funded

We currently earn no commission from insurers or brokers. If we add advertising, sponsorship or referral arrangements, we will label them clearly and update this page.

Corrections

If you find an error, please email hello@contractorquotestudio.com with the page and the correction. We fix confirmed errors and update the page.