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Annual Builders’ Combined Insurance Programme
Bring recurring liabilities, contract works, plant, tools, property and interruption exposures into one annual contractor programme review.
A package does not mean every section is included or that one arrangement is always cheaper. Each section, limit, exclusion and condition must fit the business and its contracts.
Who this route is for
- Building firms undertaking several contracts during the year
- Main and principal contractors with recurring liability and contract-works needs
- Refurbishment, fit-out, civil-engineering and groundworks businesses
- Contractors owning or hiring plant, tools, premises or business equipment
- Businesses whose contract profile changes during the policy year
For one named development with its own parties, dates and insurance schedule, use the construction project insurance page.
Sections that may need review
| Area | Review question |
|---|---|
| Public liability | Do activities, locations, subcontractors and contract terms match the proposed limit and wording? |
| Employers’ liability | How is the workforce structured, and do any legal exemptions apply? |
| Contract works | What are the maximum contract and concurrent values, durations and project types? |
| Owned and hired plant | What is owned or hired, where is it used, and what security and hire conditions apply? |
| Tools and equipment | What are the values, storage arrangements and territorial needs? |
| Property and interruption | Would damage at premises affect trading, stock, machinery or continuing costs? |
| Professional indemnity | Does the business design, specify, advise or accept contractual design responsibility? |
Product structures vary. A listed section is not confirmation that it is available or included.
Information to prepare
- Business activities and turnover split
- Employee, labour-only and subcontractor details
- Typical and maximum contract values and durations
- Number and value of concurrent projects
- Territorial scope and work away from premises
- Owned and hired plant, tools and stock values
- Premises, machinery and interruption exposures
- Design, specification and professional services
- Contract requirements and higher-risk methods
- Claims history, previous cover and controls
Frequently asked questions
Does a combined policy automatically remove gaps?
No. Combining sections can help organise a programme, but definitions, limits, exclusions and conditions still need to align.
Is an annual programme suitable for every project?
No. A contract may fall outside annual limits, activities, duration, territory or appetite. A project-specific arrangement may need separate consideration.
Can contract works be part of an annual package?
It may be considered, subject to project types, maximum values, durations and available wording. Read the contract works page for the detailed preparation questions.
Can the programme change during the year?
Material changes should be disclosed promptly. New activities, larger contracts, acquisitions, plant values or territories may require insurer agreement.