Contractors Combined Liability Insurance

This is a comprehensive insurance package designed specifically for contractors. It bundles multiple essential liability covers into a single, manageable policy. Instead of arranging separate policies for public liability and employers’ liability, this combined solution ensures you have seamless protection against a wide range of risks inherent in your trade, all under one premium and renewal date.

Yes, contractors’ combined liability insurance can cover subcontractors, but the specifics depend on the policy. It’s important to distinguish between two types of subcontractors:

Labour Only Subcontractors (LOSC): These are individuals hired to work under your direction, using your tools, equipment, and materials. They are effectively part of your team, and their activities are typically covered under your policy.
Bona Fide Subcontractors (BFSC): These are independent professionals who complete specific parts of a project using their own tools, equipment, and materials. For example, an independent electrician hired for a house build. BFSCs are expected to hold their own insurance with coverage equal to or greater than yours.

When setting up your policy, it’s crucial to clarify whether subcontractors are included and ensure the appropriate coverage is in place to avoid gaps in protection.

A typical policy can include a range of covers to suit your specific needs:

Yes, but it depends on the policy. Some policies cover subcontractors automatically, while others may require you to declare them or arrange separate cover. It’s important to clarify this when setting up your policy.

Yes, many policies include coverage for claims arising from completed work, such as defects or damages caused after the project is finished.