Our risk appetite

We're keen to write more:

  • Building contractors
  • Building developers and renovators
  • Ceiling and partition erectors
  • Cladding – fascia and guttering installation
  • Electrical contractors
  • Fencing contractors
  • Floor and wall covering contractors
  • Glazing and double glazing installers
  • Insulation contractors – acoustic and thermal (excluding cavity)
  • Joiners and carpentry
  • Landscape contractors
  • Painters and decorators
  • Plant hirers
  • Plastering contractors
  • Heating and air-conditioning installation engineers
  • Shop fitters

What we offer

Our Business Combined product offers extensive cover as standard across:

  • Contractors All Risks
  • Public Liability
  • Employers’ Liability
  • Financial Loss Liability
  • Single contract or annual contract
  • Single contract cover or
  • Annual contract cover

Bespoke sector cover

Tailored to this sector we offer cover for:

  • Own and hired in plant
  • Speculative building
  • Loss of keys for plant
  • Plant roll on, roll off
  • Temporary JCT 6.5.1.
  • DE3 as standard with DE4/5 as optional
  • Off site storage
  • Show houses and content
  • Part products cover
  • DE3 as standard with DE4/5 as optional
  • Off site storage cover
  • Show houses and contents cover

Helping clients reduce risk

Our in-house team of 50 UK based Business Resilience experts are experienced in all aspects of construction risk management.

Building valuation service: Removes the average condition for buildings and reduces the risk of underinsurance.

Unoccupied buildings: We have an exclusive agreement with First Response Group who offer specialist protection services.

Site safety: We have in house Business Resilience managers who can assist with on site health and safety matters.

Manual handling: We work with Pristine Condition who observe and assist with manual handling assessments and requirements.


We aim to be indisputably and consistently the best claims team in the UK. We offer:

  • Dedicated Claims Relationship Managers and tailored claims review meetings
  • An online claims tracking tool (eServe) and the transfer of cash payments to customer accounts in minutes
  • Monthly claims analytics reports

Giving you more

AXA Business Interruption calculator: Our web-based tool creates a quick and accurate report of a business’ exposure to Business Interruption based on the insured’s own financial accounts.

rradar: We’ve also teamed up with rradar, a law firm that offers free expert legal, regulatory and risk management advice. They help clients proactively understand and manage their risks before they become a problem and navigate them over any legal hurdles, should any arise.