Contractors Combined+
Target market
- UK-based small and medium sized enterprises in the construction sector whose turnover is predominately derived from manual work away from their premises.
- Primarily aimed at liability premiums over £10,000 plus IPT.
Capacity
- UK capacity
- Liability sections B++ (Good) by A.M. Best
- Contractors all risks sections A- (Excellent) by A.M. Best
- Legal expenses A+ (Superior) by A.M.Best
Minimum premiums
(starting from)
- £3,525 plus IPT (PL/EL/PR/CAR/Legal expenses)
- £2,200 plus IPT (PL/EL/PR/Legal expenses)
Covers / Limits available
- Public/Products liability – up to £10m
- Employers liability – £10m
- Contract works – up to £10m (higher limits on referral)
- Owned contractors’ plant & tools – up to £1m (higher limits on referral)
- Hired in contractors’ plant & tools – up to £1m (higher limits on referral)
- Employees’ personal tools & effects – up to £1,000 per employee
- Legal expenses – up to £100,000 any one claim (included as standard).
Optional extensions
(can include)
- Defective design DE4(95) Defective workmanship
- Environmental statutory liability (clean up costs)
- Financial loss
- Inefficacy
- Loss of fuel Misfuelling extension
- Non-licensed asbestos – partial buy back
- Professional indemnity
- Property owners liability (for active and/or future development sites)
- Territorial limits (European Union) Timber frame construction
- Maintenance period (18 months)
- Speculative build (up to 6 months)
- Rip & Tear
- Damage to superstructure
- Goods on hook
- Licensed & notifiable non-licensed asbestos
Trade appetite
We can consider a wide range of contracting trades, including but not limited to:
- Aerial erection
- Bricklaying Carpentry and joinery
- Ceiling/partioning
- Cladding and curtain walling
- Drainage
- Drilling
- Drylining & plastering
- Electrical
- Formwork
- General building
- Glazing
- Groundworks/civil engineering
- HVAC & refrigeration
- Painting and decorating
- Pipe and cable laying
- Plant hirers
- Security system installation
- Shop fitting
- Solar panel installation
- Piling & underpinning
- Live motorway works & traffic management
+ Roofing
+ Scaffolding
+ Demolition
+ Steel fabrication & erection
+ Lift engineering / installation
Challenging or complex risks
We can assist brokers with the placement of challenging or complex risks. Our flexible underwriting approach allows us to consider:
- Hazardous locations
- Previous policy cancellations, declinations, or onerous terms
- Previous convictions
- Heat work up to £5M PL LOI
- Adverse financials Unlimited height
- Previous HSE offences/fines
- Unlimited depth
For more details about Casus Contractors Combined+ coverage, including our risk appetite please contact a member of the team today.