Contractors - Excess Layer insurance

Key benefits What’s covered Risk appetite Resources Contact

Higher-limits excess layer insurance for construction contractors

DUAL’s Contractors Excess Layer insurance provides your clients with higher limits of indemnity than what’s typically available with primary liability programmes. This solution is designed for construction contractors who need to meet contractual requirements to have high levels of cover for high-risk projects or protect against claims exposure.

Key benefits

Higher limits of indemnity

Access up to £15m of additional liability cover to supplement your client’s primary liability programme. Higher limits help clients to meet their contractual obligations and manage their exposures.

Annual or contract-specific options

Offered as an annual renewable policy or contract-specific solution designed to suit your clients’ specific needs and project demands.

Statement of fact basis

This simplifies placement and reduces admin - meaning no filling out long proposal forms.

Cover for multiple liability types

Available for Public, Products and Employers Liability, we offer broad protection across your client’s business operations.

What’s covered

DUAL’s contractors Excess Layer provides higher liability limits to supplement your client’s primary programme. Coverage includes:

Excess public liability

Top-up cover beyond a typical primary public liability limit.

Excess products liability

Additional protection for liabilities arising from supplied products.

Excess employers liability

Supplementary cover for claims made by employees above the standard limit.

Policy limits available

Your clients can get up to £15m additional cover above the primary liability programme.

Annual or contract-specific cover

We offer flexible coverage options, including both annual and contract-based plans

Risk appetite

We cover a wide range of UK contracting risks, including:

Most contracting trades
UK-based contractors
Firms requiring increased limits for contractual operations

We don’t cover:

One-man-band contractors
Contractors with a £50m+ turnover
Non-UK contractors

Underwriting requirements

To provide cover for your clients, we typically require the following:

Completed contractors Excess Layer fact find document
Details of the primary policy or placement
Description of the contracting activities
Limit(s) required
Relevant claims history

Additional details may be requested depending on the trade or complexity of the risk.

Why choose DUAL

Specialist construction expertise

Our UK construction team has decades of experience and understands the liability challenges UK contractors face. We work closely with your clients to provide tailored cover designed to suit their specific needs.

Straightforward processes

Placing Excess Layer coverage is fast and straightforward. You’ll get direct access to underwriters with quick, flexible decision-making when it counts.

In-house claims support

Our solution-oriented claims approach allows for a consistent experience built on reliability and speed.

A+ rated capacity

As a leading Managing General Agent (MGA) in the UK, we combine A+ rated capacity with a long-standing commitment to construction underwriting - giving you dependable, expert-led solutions.