Contractors Combined Insurance

Protect Your Contracting Business with All-in-One Contractors Combined Insurance from DPI Insurance

Contractors face multiple risks every day — on-site accidents, theft of tools, liability claims, not to mention the burgeoning health and safety and risk assessment (RAMS) obligations. DPI Insurance offers Contractors Combined Insurance, a tailored all-in-one policy that combines essential covers into a single, convenient package designed with contractors in mind.

We work with underwriters who understand the unique requirements of contractors, enabling us to recommend tailored policies designed specifically for the sector.

Our professional team of chartered insurance trained experts work closely with you to understand your risks and secure a policy that truly fits your business. Whether you’re a builder, plumber, electrician or specialist contractor working at height or at high-risk locations we’ll find comprehensive, competitive cover from a panel of A-rated insurers, specialist underwriting agencies and the Lloyd’s market to suit your needs.

Experienced contractors know that issues rarely arise when purchasing insurance, but when making a claim. DPI differentiates itself by conducting detailed fact-finds, delivering professional advice and arranging comprehensive policy wordings to suit all contractor’s needs. Our depth of knowledge ensures you are fully protected, not only at the point of purchase but, critically, when a claim occurs.

Why Contractors Need Combined Insurance

Working as a contractor involves juggling multiple risks. Even a small incident on-site can lead to expensive claims, legal action or project delays. Contractors Combined Insurance simplifies protection by combining critical covers into one comprehensive policy.

Benefits include:

• Financial protection against third-party injury or property damage claims
• Cover for own tools, hired in plant and contract works
• Legal compliance with employers’ liability and public liability
• Peace of mind with a single, straightforward insurance policy

By choosing a combined policy, contractors reduce the need to buy multiple individual policies while ensuring all major risks are covered.

Optional Additional Covers:

• Professional Indemnity Insurance – For contractors who provide design, consultancy or advisory services.
• Personal Accident Insurance – Pays a weekly benefit or lump sum if you or key staff are injured
• Cyber Insurance – Protects against financial loss from cyber-attacks, data breaches or IT system failure.
• Directors and Officers Liability – Covers company directors and officers against claims of wrongful acts in managing the business.

By combining these protections, contractors benefit from a single, comprehensive insurance solution tailored to their industry.

How to Get a Contractors Combined Insurance Quote

Getting a quote with DPI is quick and straightforward.

• Click “Start Quote.”
  Fill in your contact details using our online form.
• We’ll get in touch.
  A dedicated advisor will carry out a fact-find to understand your business, assess your risks and identify what you want to protect.
• We search the market.
  Your details are submitted to our extensive panel of A-rated insurers, specialist underwriters and the Lloyd’s market where appropriate.
• Receive your tailored quote.
  We’ll present your options clearly, explain the terms and ensure you have complete confidence in your cover.

Our goal is to make arranging Commercial Insurance for Contractors simple, transparent and stress-free.

What Happens if You Need to Make a Claim?

If the unexpected happens, our dedicated claims department is here to help you every step of the way. We know that a swift, fair settlement is vital to keeping your business on track.

When you contact us:

• We’ll listen carefully to understand your loss.
• We’ll liaise directly with your insurer to progress the claim efficiently.
• You’ll be kept updated throughout the process until resolution.

Call 0161 763 5277 (Option 3) or email claims@dpi-insurance.co.uk to start your claim.

How Much Does Contractors Combined Insurance Cost?

The cost of your insurance will depend on several factors, including:

• The business activities of your contracting firm and the risks involved.
• Your turnover, wage rolls and number of employees.
• The premium varies depending on the sections of cover you choose, such as liability, contract works and tools cover.
• Your claims history and risk management measures.

At DPI Insurance, we use our strong relationships with major insurers to negotiate competitive premiums and preferential cover terms on your behalf. You’ll receive a policy that balances comprehensive protection with great value.