Contractors All Risks – Annual insurance

Key benefits Risk appetite Underwriting requirements Resources Contact

Comprehensive cover for UK construction projects

DUAL provides broad, tailored cover for your small and medium-sized contracting clients. We can cover Contract Works, Own Plant, tools, and Hired-In Plant - giving you complete control over the cover and limits you require.

This annual policy is built to work hard for your clients. Coverage extends to theft deterrents and non-adjustable premiums.

Key benefits

Flexible cover options

Contract works, own plant, and hired-in plant can be packaged or selected individually to suit each client’s risk profile and appetite.

No year-end surprises

Our non-adjustable policy structure means no declarations or premium recalculations at renewal.

DUAL DNA+ theft deterrent

Provides irrefutable proof of ownership and increases the likelihood that plant is returned to the owner once recovered after theft.

Find out more

Theft excess reduction

If DUAL DNA+ is applied and signage is erected, theft excess is automatically cut by 50%.

Post-completion protection

Properties awaiting sale are covered for 6 months after site completion; show homes and contents for 3 months.

Exclusive quotes, risk-rated by experts

Every risk is underwritten on its own merit with no generic pricing or auto-declines.

Starting from £750 + IPT, with A+ rated capacity backing every policy.

Responsive service

Fast, flexible underwriting from a dedicated UK-based Construction team.

What’s covered

DUAL’s Contractors All Risks annual insurance can include:

We can also quote for single project CAR including existing structures, PL and JCT 6.5.1.

Contract works

Own plant

Hired-in plant

Employee tools

More key features

Non-adjustable policy – no end-of-year declarations or premium adjustments
90-day cessation of works clause
Unlimited continuing hire charges cover
Properties awaiting sale covered for 6 months post-completion
Show homes and contents covered automatically for 3 months post-completion

DUAL DNA+ Theft deterrent

Our theft protection system includes signage and micro-particle coded adhesive registered to the policyholder. Once applied, we reduce the theft excess by 50%, supporting recovery and deterrence.

How it works:

Deters

Forensic evidence deters crime by providing irrefutable proof for convictions

Detects

DUAL DNA+ glows under UV light and links property to its owner with a virtually impossible to remove single microdot

Protects

Reducing theft risk allows for more competitive insurance rates for businesses

Risk appetite

Small to mid-sized UK construction firms
General builders and allied trades, including residential, commercial and mixed-use projects
Contract value range up to £16m for individual contracts within an annual programme.

Not covered

We are unable to provide cover for clients needing policies for:

One-man-band contractors
Contractors with £50m+ turnover
Non-UK contractors
Customers with poor claims history, bad credit, or weak site security

Underwriting requirements

Full breakdown of required covers (contract works, own plant, hired-in plant)
Total estimated annual turnover and largest contract value
Claims history (5 years preferred)
Details of risk management, site security, and previous insurance arrangements
Confirmation of UK trading entity and nature of contracting work

Why choose DUAL?

Specialist construction underwriting

Our underwriters possess decades of expertise in construction underwriting. Their professional guidance enables you to thoroughly support and explain coverage options, while adeptly managing complex situations for your clients.

Bespoke coverage

We craft our policies to precisely match your clients' unique needs. Additionally, we offer complimentary value-added services, including legal support, DNA+, and health and safety resources.

Fast and flexible service

We strive to deliver efficient service and swift claims processing, helping to ensure your clients can continue their operations without unnecessary delays.