Contractors’ Combined Insurance

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A single package policy combining liability, contract works, plant and business protection for civil engineering contractors

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We compare quotes from leading construction insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

A SINGLE INSURANCE POLICY FOR CIVIL ENGINEERING CONTRACTORS

Why Contractors’ Combined Insurance Matters

Civil engineering businesses face multiple risks across sites, machinery, employees and contractual obligations. A contractors’ combined policy simplifies insurance by bringing all essential covers into one coordinated policy, reducing gaps, overlaps and administrative burden.

What Does a Contractors’ Combined Policy Cover?

Core covers bundled into one comprehensive insurance solution.


  • Public Liability – injury or property damage to third parties
  • Employers’ Liability – legal cover for employee injury claims
  • Contract Works – damage to works in progress
  • Plant & Tools – owned and hired-in equipment
  • Products Liability – post-completion defects
  • Business Interruption – optional extensions available

Who Contractors’ Combined Insurance Is For


  • Civil engineering contractors
  • Groundworks and enabling works firms
  • Infrastructure and highways contractors
  • Drainage and utilities contractors
  • Principal contractors and design & build firms

FREQUENTLY ASKED QUESTIONS

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What is contractors’ combined insurance?

Contractors’ combined insurance is a package policy that brings together public liability, employers’ liability, contract works, plant and other essential covers under one policy.

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Is contractors’ combined insurance cheaper?

In many cases, yes. Combining policies can reduce overall premiums and ensures cover works together without gaps or overlaps.

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