Contractors Combined Insurance

Protect your business premises against unexpected risks with commercial property insurance.

Owning your business premises brings specific financial responsibilities. Commercial property insurance keeps your building safe and helps you manage financial risks from events like fires, floods and theft.

With tailored cover, you can confidently focus on running your business, knowing your building is secure.

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What is contractors combined insurance?

Contractors combined insurance is a specialist business policy for people working in construction and skilled trades. It protects your business if things go wrong such as on-site accidents, stolen tools, legal claims or property damage.

It usually includes public liability as standard and can be built around how and where you work. Whether you’re a civil engineer, a general builder or an electrician, this insurance is designed to protect your reputation and income.

A contractor shaking hands with a client.

Do I need contractors combined insurance?

If you’re working on a contract basis, either for yourself or as part of a team, contractors combined insurance helps you stay protected and compliant.

You may need it if:

You’re self-employed or run a small trades business
Clients or local authorities require proof of insurance before you can start work
You use tools, equipment or commercial vehicles for your job
You work on-site or at client premises
You employ staff or subcontractors

Even if it’s not contractually required, having insurance in place protects your finances if something unexpected happens – like someone getting injured or damage to property on-site.

What does contractors combined insurance cover?

Contractors Insurance can be built to suit your trade. Here are the main areas of protection:

Public Liability Insurance: Covers claims if your work accidentally causes injury or damage to a third party. Essential for most contractors, especially when working in public or client spaces.
Professional Indemnity Insurance: For contractors who provide design, advice or consultancy. Covers claims for negligence or errors in your professional work.
Employers’ Liability Insurance: Legally required if you have employees or use labour-only subcontractors. Covers injury or illness claims made by your workers.
Contractors All Risks (CAR): Covers damage to the work in progress, including building materials, temporary works and hired or owned plant and tools.
Tools & Equipment Cover: Protects your tools and machinery against theft, damage or loss. Can include hand tools, power tools, trailers and even temporary site structures.
Commercial Vehicle Insurance: If you use vans or other vehicles for work, this covers accidental damage, theft and third-party liability.
Business Owners Policy (BOP): Combines key protections into one policy which is ideal for small contractors.
Workers’ Compensation: Covers your legal responsibilities if an employee is injured at work. Often required depending on the job or contract.
Legal Expenses Cover: Helps with the cost of resolving contract disputes or dealing with legal claims.

GET A QUOTE

Are we the right commercial insurance broker for you?

Our contractors combined insurance is designed for owner-managed businesses with up to £5 million in annual turnover. Whether you work alone or lead a small team, we can help you build tailored cover that reflects how your business operates.

We work with businesses across the UK, so no matter where you’re based, we can support you with expert advice and flexible insurance options.

Get a free contractors combined insurance health check

Research suggests that 80% of UK SMEs are underinsured, meaning cover limits are too low to fully protect your business. If you’re unsure if your contractors combined insurance is giving you the right protection, we can help.

As part of our free contractors combined insurance health check, our experienced Commercial Manager will personally review your existing policy to ensure you have the right cover for your business’ needs.

We’ll assess if you have any gaps in cover, overpaying for extra cover you don’t need, meeting legal compliance and if we can find you a better deal – all free of charge.

Simply get in touch for your free contractors combined insurance health check today.

Speak to us about your contractors combined insurance today

Our tailored contractors combined insurance policies ensure you get the right protection at the best price. Fill in your details below and Mat, our experienced Commercial Manager, will be in touch with you shortly.

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