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Policy overview

Multi Cover Contractors

Contracting can be a tricky business, but there’s no reason for your clients to face unnecessary exposure.

With our Multi Cover Contractors policy, they can rest easy knowing they’re taken care of.  

The policy includes
  • Book debts
  • Business (all risks)
  • Business interruption
  • Contract works
  • Employee dishonesty
  • Employers’ liability
  • Goods in transit
  • Money and assault
  • Personal accident
  • Property damage
  • Public and products liability
  • Terrorism
What we cover*
  • Air conditioning and heating engineering
  • Bathroom fitting and installation
  • Building – new construction and repair or alterations
  • Electrical contracting (excluding alarm companies)
  • Fencing contractors
  • Floor and wall tiling contractors
  • Flooring contractors
  • Glazing contractors
  • Groundworkers (up to 8m depth limit)
  • Joiners and carpenters
  • Kitchen fitters
  • Landscape gardeners excluding tree felling and lopping
  • Office equipment engineers
  • Painters and decorators
  • Plasterers
  • Road, sewer and land drainage (up to 3m depth limit and excluding work on bridges, motorways and viaducts)
  • Roller shutter, gate and door installers
  • Shopfitters
  • Sign writers
  • Sport surfacing contractors
    *But not limited to
What we consider
  • Heating and ventilation contractors
  • Non-licensable asbestos removal
  • Plant hirers
  • Plumbers and gas fitters
  • Risks involving the use of tower cranes
  • Risks where full design cover (DE5) is required  
What we normally decline
  • Any work involving piling
  • Blast furnace erectors & repairers
  • Bridge construction, repair and resurfacing
  • Civil engineering contractors, groundworkers, road, and sewer contractors (working to depth 8m or more)
  • Cleaning of exteriors of buildings
  • Contracts or operations in Republic of Ireland
  • Demolition contractors
  • Explosive contractors
  • Insulation contractors
  • Licensable asbestos removal
  • Property/speculative developers
  • Railway & tramways construction and alteration
  • Roofing contractors
  • Scaffolding contractors
  • Shuttering, formwork contractors
  • Steel reinforcing contractors
  • Structural steel erectors
  • Timber-framed building and 100% non-standard materials
  • Tunnelling contractors
  • Work on bridges, dams, dredging, docks, piers and wharves