Contractors All Risks – Project insurance

Key benefits What’s covered Risk appetite Resources Contact

Extensive cover for your clients' building projects

DUAL’s Contractors All Risks Project Insurance provides your clients with a comprehensive policy, bringing together essential elements of a building project, including contract works, public liability, JCT 6.5.1, plant, existing structures, and advanced loss of profits or rent.

With flexible underwriting and tailored cover, you can offer your clients a seamless insurance solution that helps protect their projects from start to finish.

Key benefits

Tailored project protection

Each policy can be customised to your clients' specific requirements, helping ensure comprehensive cover that aligns with their project needs.

Extensive coverage under one policy wording

Covers contract works, public liability, JCT 6.5.1, plant, existing structures, and advanced loss of profits or rent, creating a complete package policy.

DUAL DNA+ theft deterrent included

Every policy covering owned plant includes DUAL DNA+, a forensic coding solution that helps deter theft and increase the chances of recovery. Clients who register and apply DUAL DNA+ receive a 50% theft excess reduction.

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Competitive premiums with A+ rated security

Minimum premiums start from £500 + IPT, with coverage backed by A+ rated security, ensuring financial protection and peace of mind.

What’s covered

Contract works

Protects the project against damage or loss during construction.

Public liability

Covers third-party injury and property damage.

JCT 6.5.1 cover

Protects against damage to surrounding property due to ongoing work.

Existing structures

Option to extend cover to pre-existing buildings on site.

Plant cover

Covers owned and hired-in plant against damage or theft.

Advanced loss of profits

Protects against financial loss from project delays.

Risk appetite

DUAL’s Contractors All Risks Project insurance is designed for:

Builders, developers, and project employers
Building projects up to 60 months in duration
Non-renewable UK residential and commercial building projects
Projects with contract values between £100,000 and £16,000,000

Underwriting requirements

To ensure efficient underwriting and risk assessment, the following information is typically required:

Project details

Nature, scope, and duration of the construction work.

Contract value

Typically ranges from £100,000 to £16,000,000 though projects exceeding this may be considered on a case-by-case basis.

Site security measures

Overall site security to assess potential risks and ensure adequate protection against loss or damage.

Risk management protocols

Health and safety compliance, fire protection, and security arrangements.

Claims history

Details of previous claims to assess risk profile.

Policyholder details

Whether issued in the name of the employer, contractor, or joint names.

Why choose DUAL?

Specialist underwriting expertise

Our underwriters have decades of experience, understanding the complexities of construction insurance, and providing expert guidance tailored to your clients' needs.

Tailored package solutions

Combining multiple coverage types into a single policy, with each type tailored to your clients’ specific needs, ensuring seamless protection and ease of management.

Innovative risk management

Our DUAL DNA+ technology helps prevent theft and supports clients in securing reduced excesses, offering additional value beyond traditional insurance.

Insurance Business UK Brokers on Construction award

We are delighted to have been acclaimed in the 2025 Insurance Business UK Brokers on Construction awards.

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DUAL DNA+ and theft excess reduction

DUAL DNA+ is an innovative theft deterrent, included with all construction policies covering Own Plant. Each kit contains a forensic coding solution that is virtually impossible to remove and easy for your clients to apply, ensuring: