Contractors Combined

NIG's Contractors product provides wider cover and enhanced product features giving our underwriters the flexibility to provide bespoke quotes to match your client needs. We have over 55 years of experience in writing contractors business.

As well as all of the enhancements, benefits and features of our Commercial Combined product our specialist market products include a unique number of features that are relevant to these specific market sectors.

Target Risks

  • Up to £10,000,000 Turnover
  • Up to £25,000 Total Premium
  • Larger quality risks always considered contact us

Key Policy Features and Benefits:

Flexible Limits Available:

  • Employers' Liability £10,000,000
  • Public/Product Liability £5,000,000
  • Contract Site Limit up to £5,000,000
  • Hired in Plant Limit £250,000 any one item
  • Employees Tools Limit £1,000 any one employee
  • Contents of Show Houses Limit £50,000
  • Minimum Premium £750 plus IPT

Cover Included As Standard

Subject to the appropriate section of the policy

  • Continuing Hire Charges 90 days / £10,000 limit
  • Negligent Breakdown £5,000 any one item / £25,000 any one occurrence
  • Offsite Storage and Transit £5,000 Materials / £1,000 Money
  • Speculative Development
     - PDH's: 180 days cover post practical completion
     - Other Property: 90 days / £100,000 cover post practical completion
  • Expediting Expenses up to £50,000
  • Immobilised Plant up to £25,000
  • Contract Price Increase 125%
  • Financial Loss £250,000 limit
  • Corporate Manslaughter £250,000 limit
  • JCT 6.5.1 (21.2.1) - automatic hold covered for 14 days LOI £1,000,000 subject to Proposal and additional premium being charged

Standard Excesses

Contractors All Risks

  • Theft and malicious damage £1,000
  • All other claims £750

Public Liability

  • £1,000 damage to underground services and use of heat
  • £500 all other claims