At the Drop of a Hard Hat

Contractors Combined

Contractors Combined provides a wide range of covers in one comprehensive combined policy, suitable for contractors and construction risks.


  • Public Liability & Products Liability
  • Employers Liability
  • Contractors All Risks

Optional Covers & Extensions

  • Property Damage All Risks
  • Business Interruption (ICOW or Gross Profit basis)
  • Specified Articles
  • Money
  • Goods in Transit
  • Directors & Officers
  • JCT Clause 6.5.1
  • Terrorism
  • Legal Expenses
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Features & Benefits

  • A rated capacity
  • Wide range of acceptable occupations including high risk
  • Cover for risks up to £15m turnover (higher levels can be considered)
  • High Limits of cover available on PL and CAR/Plant
  • Own Plant and Hired in Plant can be written without Contract Works
  • Unrestricted height and depth limits available
  • Hazardous location work can be considered
  • Efficacy cover
  • Legal Expenses includes Contract disputes cover

Commission rate

  • 15% for High Risk Trades
  • 17.5% for Construction
  • Options for alternative levels of commission, including net
  • Enhanced commission can be negotiated for agreed growth plans

Speak to an underwriter

T: 0113 733 3950

How to trade with us

Via Qtrade

Or submit your quote requests via email

to your dedicated team of underwriters:

Speak to our experts