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Contractors Liability insurance
Specialist cover to protect your clients from liability risks
DUAL’s Contractors Liability insurance provides tailored protection for businesses, safeguarding them against workplace injuries, third-party claims, and other liability risks.
This comprehensive coverage can be tailored to meet your clients’ specific needs, ensuring full protection exactly where they need it.
Key benefits
DUAL’s Contractors Liability insurance provides specialised coverage designed to address the unique risks of construction projects. These include:
Access to experienced underwriters
Our team brings decades of expertise in construction insurance, with a dedicated focus on contractors’ liability, helping to provide tailored cover that meets your clients’ specific needs.
All-in-one business protection
Get enhanced coverage with product extensions that can protect against professional errors, defective workmanship, and financial losses, ensuring peace of mind for your clients.
Legal protection for construction businesses
We help protect your clients from legal disputes arising from employment issues, tax investigations, property damage and regulatory actions. This provides cover for legal costs, representation, and compensation where applicable, helping reduce financial exposure.
Risk management and legal support
DUAL provides pre-incident legal support through 24/7 legal and tax advice helplines, and access to online employment and health & safety resources. We also provide downloadable legal documents to help your clients manage construction-related risks effectively.
What DUAL’s Contractors Liability insurance covers
Employers’ liability
Public liability
Professional indemnity
Defective workmanship
Financial loss protection
Additional coverage options
Contract and debt recovery cover
Property damage cover (including Stock and ICOW)
Legal Expenses
Employment Disputes
Includes restrictive covenants and non-compete clauses.
Tax Investigations
Representation in HMRC and VAT disputes.
Property Issues
Nuisance, trespass, or damage to business premises.
Criminal Defence
Includes motoring offences and regulatory investigations.
Compliance & Licensing
Appeals against statutory notices or licence revocations.
Court Attendance
Compensation for employee wages during court or jury service.
General Legal Claims
Receive support across a range of legal disputes.
Minimum premiums start from £750 +IPT*
Why choose DUAL?
Expert underwriting team
Get direct access to our underwriters with 20 years of experience, specialising in contractors' liability risks. This enables you to secure the best coverage for your clients and foster long-term relationships built on trust and reliability.
Tailored solutions
Our tailored solutions are designed to align with each of your client's unique risk exposures, streamlining your responsibilities and enhancing efficiency.
Built for speed
Working directly with expert construction underwrites streamlines the process allowing for fast decision-making and speedy claims handling.
A+ rated security
Backed by A rated capacity, your clients can trust in the financial strength and reliability of DUAL.
Risk appetite
Who we cover
- Building contractors
- Shop and office fitting contractors
- Carpentry and joinery contractors
- Electrical contractors
- Painters and decorators
- Ceiling and partitioning contractors
- Plasterers and dry lines
Who we don't cover
- One-person operations
- Large contractors with turnover above £50M
- Non-UK-based contractors
- Businesses with poor claims history or inadequate risk management
Our target trades
Underwriting requirements
To secure your clients with the right cover, we need:
- Company details, including trade activities and annual turnover
- Claims history with documentation of past claims and resolutions
- Proof of health & safety compliance
For renewals, please inform us of any operational changes in the past 12 months. For specific requirements, please get in touch.
Insurance Business UK Brokers on Construction award
We are delighted to have been acclaimed in the 2025 Insurance Business UK Brokers on Construction awards.
Meet the team
