Contractors Combined
Commercial Insurance
Public Sector Insurance
GBP 10M
GBP 0
Channel Islands, England, Isle of Man, Northern Ireland, Wales, Scotland
Yes
- Business Interruption
- Employers Liability
- Financial Loss
- Property Damage
- Public Liability
- bricklayers
- builders
- carpet and flooring fitters
- civil engineers
- cleaning contractors
- door and window installation
- electrical contractors
- gas fitters
- groundworkers
- heating and ventilation
- contractors
- joinery contractors
- kitchen and bathroom fitters
- landscape gardeners
- mechanical engineers
- painters and decorators
- plant hirers
- plasterers
- property maintenance
- roofing contractors
- scaffolding contractors
- shop and office fitters
- small turbine engineers
- solar heating installation
- surface contractors
- tiling contractors
- cavity wall insulation
- cladding contractors
- concrete contractors
- curtain walling contractors
- drilling contractors
- fencing contractors
- glazing contractors
- haulage contractors
- lift engineers
- lightning protection
- loft conversion and insulation
- machinery installation
- piling contractors
- plumbers
- rope access contractors
- shuttering and form work
- sign makers and writers
- site clearance
- solar panel installation
- structural steel erectors
- telecoms engineers
- utilities contractors
- Additional Coverages include:
- Additional Discounts and Low Claims Rebates for Accredited
- Association Members
- Business All Risks
- Goods in Transit
- Includes Heat Use Away
Product Overview
Contractors Combined by Touchstone Underwriting Ltd is designed for a wide range of construction trades. The policy brings together major covers in one annual package, making it easier for contractors to manage their insurance needs.
Employers Liability and Public/Products Liability are included as standard, each with a limit of up to £10 million. There is also an option to add an Excess Layer, which can increase the total cover up to £30 million.
About Contractors Combined by Touchstone Underwriting Ltd
This policy covers contractor’s work, plant and equipment, and employees’ tools. It also includes protection for business interruption, property damage, financial loss, and goods in transit.
Contractors Combined by Touchstone Underwriting Ltd is available to many trades, from builders and electricians to landscapers and shopfitters. Accredited association members may benefit from extra discounts and low claims rebates.
The product is available across England, Scotland, Wales, Northern Ireland, the Channel Islands, and the Isle of Man. Insurance brokers must arrange cover, and a supplemental form may be required for underwriting.
Brokers can find more details, download documents, or get in touch with Touchstone Underwriting Ltd directly through the product page. The 'Contact Underwriter for Quote’ option on this page makes it simple to request a quote or ask for support from the company.
Contractors Combined by Touchstone Underwriting Ltd FAQs
What types of trades can apply for this policy?
Contractors Combined by Touchstone Underwriting Ltd is open to a broad range of construction trades. Eligible trades include builders, bricklayers, electricians, plumbers, landscapers, scaffolders, shopfitters, and many more. The policy is suitable for both contractors and sub-contractors working across the construction sector.
Are there any special requirements for hazardous activities?
Yes, hazardous activities such as heat use, working at height, or work involving asbestos may require extra details. Applicants must complete a supplemental form, outlining the business’s safety procedures and risk management. This helps ensure the right cover is in place for higher-risk work.
Can Contractors Combined by Touchstone Underwriting Ltd be tailored for different business sizes?
Yes, the policy is flexible and can be adjusted for both small and large contractors. Cover levels and extensions can be matched to the business’s needs. This makes Contractors Combined by Touchstone Underwriting Ltd suitable for a wide range of firms.
What is the minimum coverage available under Contractors Combined by Touchstone Underwriting Ltd?
The minimum coverage limit is £0, allowing brokers to tailor the policy to each client’s requirements. This flexibility helps businesses avoid paying for unnecessary cover. Brokers can discuss specific needs with Touchstone Underwriting Ltd to set the right level.
What is included in the Goods in Transit cover?
Goods in Transit cover protects materials, tools, and equipment while being transported between sites or locations. This includes loss or damage during loading, unloading, or transit. It helps contractors keep their projects running smoothly, even if goods are lost or damaged on the move.
Can Contractors Combined by Touchstone Underwriting Ltd be extended to include plant and equipment?
Yes, cover for plant and equipment is included as standard. This protects owned or hired machinery used in the course of contracting work. Extensions can be arranged if additional plant or specialist equipment needs to be insured.
Complete and up to date listings are our highest priority. Our full-time research team keeps our listings accurate and up to date but sometimes changes happen that we haven’t spotted yet. If you see something out of date, click here to open your email client and send us a message!