Contractors Combined insurance is a flexible, all-in-one solution designed to meet the varied needs of construction businesses in the UK. It brings together multiple essential cover types under a single policy, helping contractors manage risks across all areas of their work. Depending on the nature of the business, this can include Material Damage, Employers’ Liability (EL), Public Liability (PL), Own and Hired-in Plant, and Contractors’ All Risks (CAR) cover.

This type of policy is particularly valuable for those working on high-risk sites or complex projects, offering protection against a wide range of events such as accidental damage, fire, theft, equipment loss, and injury claims. It can be tailored to suit the specific requirements of each contractor, providing peace of mind from the start of a job through to completion and beyond.

Ultimately, there is only one type of contractor insurance that’s legally required: employer’s liability insurance. This is mandatory if you employ staff, as it covers for work-related injuries or illnesses.

However, public liability insurance, while not legally mandated, is often necessary for contracts and to work on certain sites. Additionally, contractors all risk insurance and other specific coverages may be required depending on the work’s nature and contractual obligations.

Unsure what coverage type you require? At Radius, we analyse your unique risks and requirements to get you the right insurance package.