One policy for everything a contractor needs
Comprehensive insurance combining public liability, employers liability, contract works, and professional indemnity. Tailored cover for builders, trades, and labour-only contractors.
Who Is This For?
General Builders & Main Contractors
Complete protection for main contractors, project managers, and general builders working across residential and commercial projects with multiple subcontractors on site.
Specialist Trades
Tailored cover for electricians, plumbers, roofers, bricklayers, carpenters, and other specialist trade contractors with full liability and professional indemnity protection.
Labour-Only Subcontractors
Flexible cover for labour-only contractors, gang leaders, and site workers without the overhead of material liability, designed specifically for flexible engagement models.
What's Included in Your Cover
Public Liability
Protection against claims from third parties for death, injury, or property damage arising from your work activities.
Employers Liability
Statutory cover protecting you against claims from employees for work-related injuries or illnesses.
Contract Works
Covers materials, equipment, and fixtures on-site during construction, including before and after completion on insured sites.
Plant & Tools
Protection for your hand tools, portable equipment, and hired-in machinery against theft, loss, and damage on and off-site.
Professional Indemnity
Protection against claims arising from professional negligence, design errors, or advice given in your professional capacity.
Hired-In Plant
Cover for equipment you've hired including scaffolding, cranes, hoists, and powered access at your contract locations.
Why Choose Forum?
✓ Fast Quotes
Get an instant online quote for contractors combined insurance in just 5 minutes without lengthy phone calls.
✓ Flexible Cover
Customise your policy with optional add-ons, different cover limits, and specific trade requirements that suit your business.
✓ Competitive Pricing
Save time and money with our simple, transparent pricing. No hidden charges, no broker fees, guaranteed best rates.
✓ Expert Support
Speak with our specialist insurance team 24/7 for policy advice, claims support, and cover recommendations.
Frequently Asked Questions
What does contractors combined insurance cover?
Contractors combined insurance provides specialist cover designed for construction, including public liability (for third-party claims), employers liability (for your employees), contract works (for materials and equipment on-site), plant & tools protection, professional indemnity (for professional negligence), and hired-in plant cover.
Who is contractors combined insurance suitable for?
This cover is designed for general builders, main contractors, project managers, specialist trades (electricians, plumbers, roofers, etc.), labour-only subcontractors, and any construction professionals across residential, commercial, and industrial projects.
How much does contractors combined insurance cost?
Premiums vary based on your annual turnover, trade type, number of employees, claims history, and cover limits required. Most of our customers pay between £47-£200 per month. Get a personalised quote using our online form or call our team.
Can I get cover for temporary and multiple sites?
Yes. Contractors combined insurance covers work at multiple temporary sites throughout the UK, including domestic, commercial, industrial, and major construction projects. Cover is provided wherever your business operates.
Is professional indemnity included?
Professional indemnity insurance can be included in your combined cover or arranged separately. This protects you against claims arising from professional negligence, design errors, advice, or breaches of contract in your professional capacity.