Contractors Combined Insurance
Contractors combined insurance is a must-have for construction and trade businesses. It bundles various types of coverage into one comprehensive policy, protecting you from the most common risks on the job. This includes public liability (covering third-party injuries or damage), employer liability (protecting your team), and damage to equipment or ongoing projects. Without it, you’re exposed to potential financial ruin from accidents, legal claims or repair costs. Having this insurance ensures peace of mind, allowing you to focus on what you do best – building!
Ready to safeguard your business? Get in touch with Ascend Broking Group today for a tailored, no-obligation quote. You can call us at 01245 449060 or email info@ascendbroking.co.uk. Don’t wait – protect your business now!
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Who Needs Contractors Combined Insurance?
Contractors combined insurance is essential for a wide range of businesses and trades. It’s perfect for building firms, construction companies, plumbing and heating engineers, electrical contractors, roofing contractors, cladding contractors, basement contractors and demolition contractors. Each of these businesses faces unique risks, and contractors combined insurance offers the flexibility to tailor coverage to suit different needs. Whether it’s protecting your team, your equipment, or covering damage to third parties, this insurance can be customised to ensure you’re fully protected. If you’re in the trade, this is a must-have for your peace of mind.
- Employers, Public and Products Liability
- Construction All Risks
- Engineering All Risks
- Advanced Loss of Profits
- Bonds and Guarantees
- Professional Liability
- Environmental Liability
- Single Projects
- Latent Defect
- Business Interruption Liability
- Cover for Plant and Machinery
- Stock and Materials Cover
- Professional Indemnity
- Directors & Officers Liability
- Motor Fleet
What Does Contractors Combined Insurance Cover?
Property owner liability insurance is designed to protect property owners from financial losses resulting from accidents or injuries that occur on their property. This includes coverage for third-party injuries, such as if someone trips on a loose paving stone or if a visitor’s car is damaged by falling debris. It also covers property damage, like if a building or structure collapses, causing harm or damage to nearby properties. For contractors, property owner liability insurance is essential in case work-related incidents lead to injury or property damage. Whether you’re a homeowner, landlord or contractor, having this insurance ensures you’re financially protected from potential claims.
Want to learn more or get a quote? Call us at 01245 449060 or email us on info@ascendbroking.co.uk. Protect your property and your peace of mind today.
Public Liability Insurance
Public liability insurance is crucial for contractors, as it protects you from claims made by third parties for injury or damage caused by your work. For example, if a passerby trips over equipment left on a construction site or if a client’s property is damaged during a renovation, public liability insurance covers the costs. This type of insurance is essential for anyone working in construction, plumbing, electrical work, roofing or other trades, as accidents can happen anytime. Having public liability insurance ensures you’re protected from potential legal fees and compensation claims, giving you peace of mind on the job.
Employers’ Liability Insurance
Employers liability insurance is a must-have for contractors who employ workers. It covers legal costs and compensation claims if an employee is injured or falls ill due to their work. For example, if a construction worker is hurt on-site or develops a condition from exposure to hazardous materials, employers liability insurance protects you from the financial burden.
This insurance is legally required for businesses with employees and ensures that your workforce is properly covered. Whether you have one worker or a whole team, having employers liability insurance is essential for protecting both your employees and your business.
Contract Works Cover
Contract works cover is vital for contractors working on projects with significant risks. It protects against damage or loss to ongoing work, including materials, tools and equipment during construction. For example, if a building site is damaged by fire or vandalism, contract works cover ensures the cost of repairs or replacements is covered.
This insurance is essential for contractors, as it helps avoid hefty out-of-pocket expenses if unexpected events cause delays or damage to the project. Whether you’re building, renovating or working on a large-scale construction project, having contract works cover keeps your work and financial investment protected.
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Our market Insights highlight insurance market trends, issues and legal changes.
Published quarterly, the newsletter also includes:
- Trends across key lines of business, including Contractors Combined, Motor Fleet, Casualty/Liability, Cyber, Directors and Officers and Property
- New product insights highlighting reasons for you to consider
- An overview of key claims trends
- Analysis of the latest trends and issues impacting the insurance market
Plant and Equipment Insurance
Plant and Equipment Insurance is essential for contractors who rely on machinery and tools for their work. It covers damage, theft or loss of essential equipment like cranes, diggers, power tools and more. For example, if your excavator is damaged on-site or stolen overnight, this insurance helps cover the replacement or repair costs. Contractors often rely on expensive machinery, and any downtime can lead to significant financial losses.
Having plant and equipment insurance ensures your business can continue running smoothly, no matter what happens to your tools or equipment on the job.
Professional Indemnity Insurance
Professional Indemnity Insurance is crucial for contractors who provide advice, design or other professional services. It protects against claims of negligence, errors or omissions in your work that may lead to financial losses for clients. For example, if a contractor miscalculates a design or provides faulty advice that causes issues later on, professional indemnity insurance can cover the legal costs and compensation claims.
This insurance is especially important for contractors in fields like architecture, engineering or consultancy, where mistakes could result in significant financial damage. It helps safeguard your reputation and business.
Why Choose Ascend Broking Group For Your Contractor Insurance Requirements
Choosing Ascend Broking for your contractors insurance means partnering with a team that values independence, transparency and flexibility. As an independent advisory business, Ascend works solely in your best interests, ensuring you get the right coverage tailored to your needs. Our transparent approach means no hidden surprises – you’ll always know what you’re covered for.
With flexible policies and personalised service, Ascend ensures that your unique risks are properly addressed. Plus, our expertise in the contractor industry means you get the most relevant advice and competitive pricing available. Trust Ascend for all your insurance needs.
Enquire Today & Book Your Free Consultation
At Ascend Broking, we specialise in providing comprehensive contractors combined insurance to help safeguard your business against the many risks you face on the job. Whether you need public liability, employers liability, contract works cover or plant and equipment insurance, our flexible policies ensure you’re fully protected. As an independent advisory business, we pride ourselves on offering transparent, tailored solutions with no hidden fees or surprises. Our team takes the time to understand your unique needs, ensuring you get the right coverage at the best price.
To get started, simply call us at 01245 449060 or email info@ascendbroking.co.uk. Alternatively, you can reach out online through our website. Our process is simple: book a consultation, discuss your needs and let us handle the rest. Protect your business with Ascend Broking – your trusted partner for contractors combined insurance.
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Who to speak to?
Stuart Belbin
Stuart joined Ascend in October 2020, having previously worked at A Plan and WRS, where he developed his specialism in the commercial and charity sectors. At Ascend, Stuart leads the development of these sectors as a customer-facing account executive with experience in providing effective cost & risk management insurance solutions.
Bringing together the best of his national and independent broking experience, Stuart is able to provide Ascend clients, from medium privately-owned businesses to public limited companies, with leading market solutions across a wide range of industry sectors.
