Construction Combined Insurance
If your business is in the building or construction sector, a standard policy often won’t cover everything you need. Our contractors combined insurance brings together a wide range of essential covers into one practical, tailored package, designed for contractors, builders and tradesmen working on more complex or multi-site projects.
It’s suitable for construction firms of all sizes and specialties, especially those with larger teams, valuable equipment or multiple contracts running at once. Whether you’re working under JCT conditions, hiring in plant or responsible for the site until completion, this combined policy helps keep every part of your operation protected.
What Can Be Included?
Every policy is built around your business, but typical contractors combined insurance cover can include:
- Contract Works – Covers damage to works in progress, including materials, fixtures and fittings. Essential cover for builders responsible for the project until completion or handover.
- Own and Hired-In Plant and Tools – Protection for your own machinery and tools, plus any hired-in equipment used on site. Covers loss or damage and continuing hiring charges.
- Contractor Public Liability Insurance – Covers injury or property damage claims from third parties. Especially important for contractors working in public areas or client’s homes.
- Employers Liability – A legal requirement if you employ staff or labour only subcontractors. Covers claims from employees injured or made ill through their work.
- Professional Indemnity (optional) – If you offer design input or technical advice for a fee, this covers you against claims for errors or omissions and breach of professional duty.
- Business Interruption – Covers lost income and ongoing costs if your business can't trade due to an insured event such as a fire or flood.
- Legal Expenses – Covers legal costs for disputes including contracts, employment issues or tax investigations.
- JCT Contract Requirements – Ensures your cover meets the specific insurance conditions of JCT contracts, helping avoid delays or complications.
- Own Premises Cover – Protection for your business premises, including contents, computers, office equipment and stock.
A Tailored Approach for Every Contractor
Whether you’re a regional builder, project manager or specialist contractor, our tailored construction cover can be adapted and expanded to suit your operation. We’ll work with you to build the right policy around your business.
Why Choose Chubb Thomas?
- Truly independent insurance broker based in Bournemouth, with no corporate ties
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Speak directly to your dedicated contact—no call centres, no waiting
- Work with your key person from start to finish
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Fair fees and transparent advice every step of the way
- Independent and unbiased—we’re not tied to any insurer, so you always come first
- A reputation for excellence, delivering insurance services locally since the early 1980s.
FAQs
What is contractors combined insurance?
It’s a flexible insurance package designed for contractors, builders, and tradesmen. It combines multiple covers, like contract works, public liability, tools and plant, into one policy, helping to protect your business from a wide range of risks.
Who needs construction combined insurance?
This type of policy is ideal for construction firms, building contractors, developers and specialist trades with more complex operations, multiple sites or higher-value projects. It’s also suitable for anyone working under JCT contract conditions.
Is contract works insurance really needed?
We would highly recommend it. Contract works insurance covers materials and works in progress. Builders are responsible for this until the project is signed off. Cover is generally on an all risks basis including risks such as fire, flood, theft and accidental damage before handover.
Can I insure both owned and hired-in plant and tools?
Absolutely. Construction combined insurance can include cover for your own tools and machinery as well as any equipment you hire in. This applies whether items are stored on-site, in transit or at your premises.
Do I need employers liability insurance?
Yes, if you employ staff or use labour-only subcontractors, you’re legally required to have employers liability cover. It protects you against claims from employees injured or made ill through their work.
What if I also provide design or consultancy services?
You may need professional indemnity insurance. This is optional within a contractors combined insurance policy but essential if you offer design input or advice for a fee. Find out more about professional indemnity.
Can this policy meet JCT contract insurance requirements?
Yes, we can ensure your cover aligns with the terms of any JCT contract you’re working under. We’ll review the requirements and tailor the policy accordingly.
What is business interruption cover and do I need it?
Business interruption insurance helps cover lost income and ongoing expenses if you can’t trade due to an insured event, such as a fire or flood.
Can I include cover for my business premises and office contents?
Yes. If you operate from a yard, office or workshop, we can include own premises cover, protecting buildings, stock, equipment and contents all under the same policy.
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Other Insurance Options
Commercial Insurance
Business Insurance and Combined Business Cover
Construction Insurance
Tradesman and Professionals Insurance
Shops, Offices and Surgeries Insurance
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Professional Indemnity Insurance
Motor Fleet Insurance
Motor Trade Insurance
Cyber Insurance
Directors and Officers Insurance
Engineering and Plant Insurance
Commercial Motor and Van Insurance
Marine / Cargo Insurance
High Net Worth Insurance
Trusted Dorset Insurance Broker
We’re a truly independent Dorset broker offering real advice, not scripts. offering tailored insurance quotes across Bournemouth, Poole, Weymouth, Dorchester and beyond. Whether you need personal, property or business cover, we deliver clear advice and a personal service every step of the way.
Contact Us
Let’s make your insurance work harder for your business. Drop us a message, give us a ring, or pop into our Bournemouth office—we’re always happy to chat.
Phone: 01202 778 000
Email: email@chubbthomas.co.uk