Builders’ Combined / Package Insurance Policy

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A single, flexible insurance package for builders and small–to–medium construction firms – combining key covers such as public liability, employers’ liability, contract works, tools and plant.

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We compare quotes from leading construction insurers

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  • Aviva insurance logo
  • QBE insurance logo
  • RSA insurance logo
  • Zurich insurance logo
  • NIG insurance logo

ONE POLICY. MULTIPLE COVERS FOR BUILDERS.

Package Insurance Designed Around the Builder’s Day-to-Day Risks

A builders’ combined policy brings together the core covers most small and medium-sized building firms need – simplifying administration, helping avoid gaps and often reducing overall cost compared with separate stand-alone policies.

What Can a Builders’ Combined Policy Include?

Key sections can be mixed and matched to reflect how your building business actually operates.

Core Liability & People Covers

  • Public Liability – injury to third parties or damage to their property.
  • Employers’ Liability – compulsory cover for direct employees.
  • Products Liability – completed works causing injury or damage.
  • Optional: Professional Indemnity – where you provide design or specification advice (subject to underwriting).

Works, Plant & Property

  • Contract Works / Contractors All Risks – the building project itself.
  • Own Plant & Machinery – diggers, access equipment, small plant.
  • Hired-In Plant – plant hired from rental companies (with protection for hire charges).
  • Tools & Equipment – portable tools and site equipment.
  • Office / Yard – contents, computers and stock at your base.
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Who Is Builders’ Combined Insurance Suitable For?

Ideal for small and medium building firms who need a single, packaged solution.

Typical Policyholders

  • General builders and small building companies.
  • Renovation and refurbishment contractors.
  • Extensions, loft conversions and home improvement specialists.
  • Builders acting as principal contractor on modest projects.
  • Property maintenance and light commercial building firms.

Project Types Covered

  • Residential new build and small developments.
  • Domestic extensions, conversions and refurbishments.
  • Light commercial units, offices and retail premises.
  • Insurance repair and reinstatement work.
  • Ongoing maintenance and reactive works.
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Why Choose a Combined / Package Policy?

Bringing your builder’s insurance into one package can offer practical and financial benefits.

Practical Advantages

  • Single renewal date and point of contact.
  • Consistent limits and terms across key covers.
  • Reduced risk of cover gaps between separate policies.
  • Simplified paperwork for tenders and site inductions.

Financial & Cover Benefits

  • Often more cost-effective than multiple stand-alone covers.
  • Option to flex limits and sections as your business grows.
  • Improved underwriting story when everything is presented together.
  • Scope to add optional extras like PI, legal expenses or personal accident.
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Why Arrange Your Builders’ Package Policy with Insure24?

  • Access to UK insurers who specialise in builders and trades.
  • Policies tailored to your size, trade mix and contract values.
  • Ability to add or remove sections as your business changes.
  • Support with claims and contract / site insurance requirements.
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FREQUENTLY ASKED QUESTIONS

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What is a builders’ combined / package insurance policy?

It’s a single policy designed for builders and small construction firms that combines public liability, employers’ liability, contract works, tools, plant and other key covers into one package, often with one premium and renewal date.

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Is a builders’ package policy cheaper than separate covers?

In many cases, yes. Insurers like the simplicity of a package policy and may offer more competitive terms than if each section was arranged separately. It can also reduce admin and the risk of gaps between policies.

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Can I still tailor the cover to my building business?

Yes. Sections and limits can be adjusted to reflect your work, whether you focus on domestic refurbishments, small developments or light commercial projects. Optional extras can be added where needed.

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What information do insurers need to quote a package policy?

Typically: details of your trade and activities, annual turnover, wage roll, split between residential/commercial work, typical contract values, use of subcontractors, height/depth exposures and your recent claims history.

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Can I move my existing separate policies into one package?

Yes. At renewal (or mid-term in some cases) we can look at consolidating your liability, contract works, tools, plant and other covers into a single builders’ combined policy, making sure there are no gaps in the process.

Related Covers

Package pages should route users into liability, contract works, plant and office sections without breaking the journey. These links keep combined-policy questions focused on the core construction insurance pages.

Package Structure

Core Cover

Plant and Projects