Contractors combined insurance is a package policy that brings together multiple covers needed by construction businesses. It typically includes public liability, employers’ liability, contract works, plant and tools, and sometimes hired-in plant cover.

Cover can include damage to ongoing works (contract works), injury to third parties (public liability), employee claims (employers’ liability), and loss or damage to tools, equipment, and plant. Policies are tailored to your specific trade and activities.

This insurance is suitable for builders, contractors, tradespeople, and construction firms carrying out work on-site. It is particularly useful for businesses managing multiple risks across projects.

Employers’ liability insurance is legally required if you employ staff. Other elements, such as public liability and contract works, are not legally required but are often mandatory under contracts.

Yes, policies can include cover for owned and hired-in plant, tools, and equipment against theft, loss, or damage. This is essential for contractors working across multiple sites.

Costs vary depending on trade type, turnover, number of employees, and risk exposure. Small contractors may pay from a few hundred pounds annually, while larger firms pay significantly more.

Yes, contract works insurance covers ongoing work against risks such as fire, theft, vandalism, or accidental damage before completion.

You should notify your insurer immediately with full details of the incident. Your insurer will assess the claim and, if covered, arrange repairs, replacement, or compensation.