Contractors Combined insurance

Key benefits What’s covered Risk appetite Resources Contact

Comprehensive protection for UK construction contractors

DUAL’s Contractors Combined Insurance is expertly tailored to help address the needs of your clients in the construction industry. From sole traders to mid-corporate builders, we can provide tailored coverage designed to fit your clients' needs.

When quoting professionals in the construction and allied trades, our specialist underwriters take a pragmatic approach to provide the best possible cover for your clients.

Key benefits

Broad coverage

This includes the option to add extensions for financial loss, defective workmanship, and professional indemnity, and we can also cover property damage, including stock and contents at your clients’ premises.

50% theft excess reduction with DUAL DNA+

Reduce your clients’ excess by 50% when using DUAL’s DNA+ kit and signage.

Legal expenses cover

We provide legal expenses cover at no additional cost, including the option to add contract and debt recovery coverage.

Health and safety services

Access to online employment and health and safety services, including training, providing valuable resources for your clients to stay safe at work. This gives your clients:

Expert training
Enhanced safety
Easy online access
Access to extensive resources

What’s covered

Non-adjustable policy

Simplifies management with no year-end adjustments.

Legal expenses included

Benefit from comprehensive legal protection included at no extra cost. This includes the option to add contract disputes and debt recovery coverage.

Online H&S and HR support

Offers convenient access to employment and health and safety guidance and training.

Flexible property cover

Option to add stock and contents cover for contractor premises.

PI, financial loss and defective workmanship

Optional extensions available depending on risk profile.

Risk appetite

We specialise in providing cover for a range of construction and trade professionals, including:

Electricians
Plumbers
Carpenters
Painters and Decorators
Bricklayers
Landscape Contractors
Building Contractors
Plasterers
Glaziers
Groundwork
Contractors
Shopfitters

Explore our full target trades list

Download

DUAL DNA+ Theft deterrent

Our theft protection system includes signage and micro-particle coded fluid 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

Underwriting requirements

UK-based construction businesses only
We prioritise low-risk profiles, with consideration for reasonable claims histories
Details on trades, contract values, turnover and risk management measures required

Why choose DUAL?

Expert construction underwriting

Our dedicated underwriters specialise in the construction sector, providing specialist guidance so you can fully support and explain the coverage options and benefits to your clients.

Tailored solutions

Our policies are fully customisable to help meet your clients’ specific needs. We offer added-value services such as legal expenses, DUAL DNA+, and health and the safety tools your clients need.

Efficient claims processing

We are committed to ensuring a smooth and efficient claims process, working diligently to minimise any delays and help your clients swiftly return to business.