Contractors Combined

Contractors Combined Insurance is a comprehensive insurance policy designed for construction trades that consolidates multiple covers such as Employers’ Liability, Public & Products Liability, Contractors All Risks and Professional Indemnity into one policy – simplifying protection for contractors and reducing gaps in cover. 

This policy is ideal for a wide range of UK trades including builders, carpenters, painters and decorators, electricians, plasterers, plumbers (subject to criteria), HVAC installers, and more. It’s suitable for both sole traders and limited companies with projected turnover levels up to defined limits set out in the facility. 

Maximum limits we can consider are:

• Employers’ Liability up to £10m
• Public & Products Liability up to £5m
• Contractors All Risks up to £10m
• Professional Indemnity up to £5m
• Directors’ & Officers’ Liability Entity £2M
• Personal Accident – Death/loss of limbs, sight, speech or hearing/permanent total disablement £10K. Temporary total disablement £100 per week for a maximum of 104 weeks

Plus additional extensions may be available based on your trade and risk profile. 

A combined policy streamlines your insurance needs by covering multiple risks under one contract — often at more competitive rates and with easier administration compared to handling separate policies for each type of cover. 

Through the Focus Insurance facility, contractors can access cover for projected annual turnover up to £7.5m, wage roll up to £2.5m and maximum contract values up to £2.5m with options for higher limits considered by referral. 

Yes – standard limits include height work up to 20 metres and depth work up to 3 metres, helping to cater for a range of common construction projects.

Yes, the policy can be extended to include professional negligence, efficacy, show property contents and speculative development — ensuring the cover fits the specific needs of your trades and projects. 

In the UK, Employers’ Liability cover of at least £5 million is a legal requirement if you employ staff. Contractors Combined Insurance typically provides this cover as standard within the policy package. 

Focus’ Contractors Combined policy includes access to in-house claims handling services — backed by experienced partners such as Markel — ensuring efficient and supportive claims handling when needed. 

To apply for a tailored Contractors Combined quote or to speak to an underwriting specialist, you can contact us directly via phone or email – or request more details through the website contact form.