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.
Capacity
- UK capacity
- Liability & 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
- 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)
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 and shuttering
- General building
- Glazing
- Groundworks/civil engineering
- HVAC & refrigeration
- Painting and decorating
- Plant hirers
- Rope Access
- Security system installation
- Shop fitting
- Solar panel installation
- Steel fabrication & erection
- Stonemasonry
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
- Height limit up to 30m
- Previous HSE offences/fines
- Depth limit up to 5m
For more details about Casus Contractors Combined coverage, including our risk appetite please contact a member of the team today.