General Contractors

Liability & Construction

Up to £30M Limit of Indemnity for Employers Liability and Public/Products Liability as standard


Our Contractors Liability scheme applies to a wide range of trades within the construction industry. It is an annual policy that covers contractor’s work, plant and equipment and employees tools. It also includes Employers and Public/Products liability up to £10M Limit of Indemnity, however we have the ability to apply an Excess Layer up to £30M.

Submit your risk online

Submit details of your risk directly to our underwriters for priority review.

Access broker portal

Key documents

Policy wording

Policy overview (IDD compliant)

Product Oversight & Governance


Submit a claim

Complete our online form.

Alternatively, if the loss or damage is extensive, please call our Claims Department as soon as possible. Full contact details here.

Helpline details

Claims Service – 0800 015 1498

Legal and Tax Helpline – 0345 300 1899

Commercial Legal Protection – 0345 300 1899

Risk Solutions Helpline – 0345 366 6666

Counselling Service Helpline – 0117 934 0105

Key benefits

Employers liability up to £10M

Public/Products liability up to £10M (heat use £2M)

Excess layer to £30M available for employers and public/products liability


  • Includes Heat Use Away where applicable
  • Includes Financial Loss
  • Additional Discounts for members of accredited association
  • Low Claims Rebates for members of accredited association
  • Free Risk Management Survey
  • No Administration or Documentation Fees
  • “A” rated Insurer – Aviva
  • Accepted by all major contractors

Additional cover

  • Full Occupational PA Cover for Death and Capital Sums
  • Full Occupational PA Cover for Weekly Benefits

Target Business

  • General Builders
  • Building Contractors
  • Property Developers
  • Property Refurbishers
  • Ground workers
  • Electricial Contractors
  • Fencing Contractors
  • Double Glazing Installers
  • Stone Masons
  • Shop/Office fitters
  • Bricklayers
  • Carpenters and Joiners
  • Ceiling Artexers
  • Painters and Decorators
  • Plasterers
  • Plumbing Heating Contractors
  • Partitioning Contractors
  • Dry Lining Firms
  • Floor and Wall Tilers
  • …and just about anybody else in the construction industry which is involved in new work and wishes to insure the work in progress plus the materials and fittings

All Contractors who can prove they are members of a Trade Body or Association.

Your expert team

You can access our knowledgeable underwriters directly:

Steve Swinburne ACII

Lead Underwriter
01923 236 399
07935 758 729

Robin Ditchburn

Robin Ditchburn Dip CII

Senior Underwriter
01923 298 411
07706 735 149

David Pargetor

01923 298 432

Megan Hardway

Assistant Underwriter
01923 298 417

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Please note, we are only permitted to deal with Insurance Brokers. If you are a customer, please contact your Insurance Broker for advice and information regarding your Insurance cover.