Why is checking a contractor's insurance as important as checking their price?

Every contractor brings their own risk onto site, and assuming their public liability, RAMS and accreditations are in order quietly transfers their exposure onto the operator's own balance sheet — when something goes wrong, their gap becomes the operator's liability.

Why isn't "we think they're covered" a viable compliance position?

Across dozens of contractors and multiple sites, assuming coverage without tracking it is not a compliance position — it's a hope, and gaps are only discovered when something goes wrong.

What does AP Prokure's portal do for sub-contractor management?

The portal tracks insurance, RAMS and accreditation checks on every contractor, maintains central visibility of who's approved or lapsed and where they're working, and issues prompts on expiry so cover never quietly runs out.

What happens if a contractor's public liability insurance lapses mid-project?

If a contractor's public liability lapses mid-project and an accident occurs, the claim can land on the operator, and insurers are typically unsympathetic in that situation.

What is the risk of missing RAMS documentation when an incident occurs?

If RAMS (risk assessments and method statements) aren't on file when an incident occurs, the operator has nothing to show the work was properly risk-assessed if the HSE investigates.

Blog · Compliance & Cost

Sub-Contractor Compliance Management AP Prokure

You checked their price. Did you check their insurance? Here's how multi-site operators track contractor insurance, RAMS and accreditations.

Alistair Yates

Published: 25 August 2026 · 1 min read

Sub-Contractor Compliance Management AP Prokure

You checked their price. Did you check their insurance?

Every contractor who sets foot on your site brings their risk with them. Public liability, RAMS, accreditations — assume they're in order and you've quietly transferred their exposure onto your balance sheet. When something goes wrong, their gap becomes your liability.

Multiply that across dozens of contractors and multiple sites, and "we think they're covered" isn't a compliance position. It's a hope.

What the Portal Does

● Insurance, RAMS and accreditation checks on every contractor — tracked, not assumed

● Central visibility of who's approved, who's lapsed and who's working where

● Prompts on expiry, so a contractor's cover never quietly runs out mid-project

The Cost of Getting This Wrong

● Multi-site: a contractor's public liability lapses mid-project; their accident lands as your claim, and your insurer is not sympathetic

● Hospitality and care: RAMS aren't on file when an incident occurs — the HSE arrives and you have nothing to show the work was risk-assessed

● Growing estates: forty contractors across twelve sites with no central record means you're one lapsed certificate from a very bad day

Book a demonstration — 15 minutes shows you what a spreadsheet never could.

Follow AP Prokure for weekly multi-site compliance and cost insight, and subscribe to our newsletter.

Talk to us: consult@approkure.com | +44 7465 627130 | savemore.approkure.com

Back to All Blogs

Sub-Contractor Compliance Management AP Prokure

What the Portal Does

The Cost of Getting This Wrong

Related articles

Staff Training Compliance Across Multi-Site Teams AP Prokure

FM & Statutory Site Compliance Across Sites | AP Prokure

Protecting Your Food Hygiene Rating Across Sites AP Prokure