Contractors Combined

Contractors Combined Insurance:

Insurance designed around the way you work.

Contractors Combined insurance provides flexible protection for businesses undertaking construction, installation, maintenance, refurbishment and other contracting activities.

Contractors can face risks involving employees, customers, equipment, materials, vehicles, works in progress, completed work, machinery and plant.

Building contractors • Electrical contractors • Mechanical contractors • Groundworkers • Engineers • Specialist trades • Building contractors • Electrical contractors • Mechanical contractors • Groundworkers • Engineers • Specialist trades • Building contractors • Electrical contractors • Mechanical contractors • Groundworkers • Engineers • Specialist trades • Building contractors • Electrical contractors • Mechanical contractors • Groundworkers • Engineers • Specialist trades •

Designed for:

Typical cover:

Depending on the business and insurer, cover can include:

Contract works, temporary buildings and site contents
Own and hired-in plant
Employers', public and products liability
Business interruption
Goods in transit
Legal expenses

Contract works, temporary buildings and site contents • Own and hired-in plant • Employers', public and products liability • Business interruption • Legal expenses • Goods in transit • Contract works, temporary buildings and site contents • Own and hired-in plant • Employers', public and products liability • Business interruption • Legal expenses • Goods in transit • Contract works, temporary buildings and site contents • Own and hired-in plant • Employers', public and products liability • Business interruption • Legal expenses • Goods in transit • Contract works, temporary buildings and site contents • Own and hired-in plant • Employers', public and products liability • Business interruption • Legal expenses • Goods in transit •

Tailored Protection

Specialist options
we can explore.

We can explore a range of specialist contractors’ insurance options, including cover for JCT contractual requirements, composite co-insured clauses, and contract works. Protection can also be arranged for exposures such as non-negligent liability, groundworks, working at height or depth, hot works, and projects carried out in hazardous locations.

Claim in practice:

A contractor damages an existing structure.

A refurbishment contractor is carrying out works at commercial premises when an error causes damage to part of the existing building.

The contractor faces the cost of remedial works and a claim from the property owner.

Depending on the circumstances, the appropriate Contractors’ All Risks and liability sections may provide protection, subject to the policy wording.

Our approach

Expert guidance for complex construction risks.

Construction insurance can involve contractual requirements, multiple parties and complex responsibilities.

We can review the nature of your contracts, activities and plant requirements and approach markets experienced in construction and contracting risks.