Construction insurance

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Expert Construction underwriting

DUAL are confident they can provide market-leading insurance solutions for construction clients. With over 10 years’ experience, we offer composite products with meaningful extensions that can be precisely tailored to your client’s needs. Our underwriters are empowered to use their specialist skills to find you solutions.

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Committed to quality service

Our streamlined underwriting process allows us to move quickly, helping you to achieve coverage within your client’s deadline. Working closely with a dedicated underwriter, you will be supported throughout the policy cycle.

Our products

Comprehensive, flexible cover for contracting construction clients. 

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Features and benefits
  • Non-adjustable policy - no end of year declaration adjustments 
  • Legal expenses cover automatically included with the option to add contract & debt recovery cover
  • Online employment and health & safety service automatically included
  • The ‘DUAL DNA+’ innovative theft deterrent included 
  • 50% theft excess reduction following registered application of your DNA+ kit
  • Exclusive quotes, with each risk assessed on its own merits
  • A+ rated security
  • Minimum premiums start from £750 +IPT
  • Access to experienced underwriters offering a fast and flexible service
  • Option to include property damage including stock and contents of contractors premises
  • Professional indemnity extension included (risk dependent)
  • Financial loss extension included (risk dependent)
  • Defective workmanship extension included (risk dependent).

Combined liability coverage, tailored to your client's needs.

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Features and benefits
  • Non-adjustable policy - no end of year declaration adjustments
  • Legal expenses cover automatically included with the option to add contract & debt recovery cover
  • Online employment and health & safety service automatically included 
  • Exclusive quotes, with each risk assessed on its own merits
  • A+ rated security
  • Minimum premiums start from £750 +IPT
  • Access to experienced underwriters offering a fast and flexible service
  • Option to include property damage including stock and contents of contractors premises
  • Financial loss extension included (risk dependent)
  • Defective workmanship extension included (risk dependent)
  • Professional indemnity extension included (risk dependent).

Contractors all risks is an essential cover for most builders and allied trades. Contract works, own plant, and hired in plant can be written as a combined policy or as a single cover in isolation, giving you complete flexibility over cover and limits.

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Features and benefits
  • The ‘DUAL DNA+’ innovative theft deterrent included
  •  50% theft excess reduction following registered application of your DNA+ kit
  •  Non-adjustable policy - no end of year declaration adjustments
  •  Exclusive quotes, with each risk assessed on its own merits
  •  Properties awaiting sale covered for 6 months after site completion
  •  A+ rated security
  •  Minimum premium from £750 +IPT
  •  Show homes and their contents automatically covered for 3 months after site completion
  •  Access to experienced underwriters offering a fast and flexible service.

Comprehensive, flexible cover for contracts between £100,000 and £16,000,000. The policy can be issued in the name of the employer, contractor, or as joint names.

All policies come with the 'DUAL DNA+' innovative theft deterrent, free of charge. Once applied and registered, policyholders achieve a 50% theft excess reduction.

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Features and benefits
  •  Option to include existing structures
  •  Option to include advance loss of profits/rent or delayed start up
  •  Northern Ireland risks considered
  •  Option to include public liability
  •  Can be issued in name of the employer, contractor or joint names
  •  Option to include JCT 6.5.1 cover
  •  Exclusive quotes, with each risk assessed on its own merits
  •  Option to include plant cover
  •  A+ rated security
  •  Minimum premiums start from £500 +IPT
  •  The ‘DUAL DNA+’ innovative theft deterrent included
  •  50% theft excess reduction following registered application of your DNA+ kit
  •  Access to experienced underwriters offering a fast and flexible service.

We feel that all property owners should ensure they have adequate cover whilst their premises are undergoing works. We give you a flexible approach with our renovation package for lower limits and a low fixed premium, or renovation prestige where bespoke underwriting may be required.

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Features and benefits
  • Peace of mind with the works and existing structure insured under one single policy
  • JCT compliant with option to place in joint names with the contractor
  • Replaces the client’s buildings insurance for the duration of the works
  • Access to experienced underwriters offering a fast and flexible service
  • Backed by A-rated capacity.

High-limit legal indemnity coverage for contracting clients, up to £15m over the primary.

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Features and benefits
  •  Limits up to £15m over the primary
  •  Statement of fact basis
  •  Annual renewable or contract specific policies available
  •  A+ rated security
  •  Excess public & products liability available
  •  Excess employers liability available
  •  Access to experienced underwriters offering speedy and flexible service
  •  Exclusive quotes, with each risk assessed on its own merits.
Construction

Meet the team

Photo of Steve Kelly

Steve Kelly

Head of Construction
Photo of Steve Kelly

Steve Kelly

Head of Construction

Steve is the Head of Construction for DUAL, having joined the company in 2025. He has worked in the insurance industry for 35 years, of which 26 years were spent at RSA and latterly, nine years at Allianz. Steve has a deep technical and market knowledge of the construction and engineering insurance market, having led the underwriting of some of the largest conventional power and renewable energy risks in the UK and Europe.

Steve is married with two daughters and a keen sports fan, enjoying rugby, football, Formula 1 and golf.

Photo of Nicholas Holland

Nicholas Holland

Development Director
Photo of Nicholas Holland

Nicholas Holland

Development Director

Nic is the Development Director for DUAL, and joined the company in 2018. He began as a trainee underwriter after graduating with a degree in economics. Nic went on to gain 13 years’ technical expertise and experience in the industry. He has been writing commercial and construction insurance for over 10 years, the last five years spent at DUAL specialising in construction with a substantial focus on underwriting and business development.

Outside work, Nic enjoys running, cycling, surfing, hiking and travel.

Photo of Aaron Sharpe

Aaron Sharpe

Underwriting Manager
Photo of Aaron Sharpe

Aaron Sharpe

Underwriting Manager

Aaron is the Underwriting Manager in the DUAL Construction team, having joined the company in 2020 and has over 12 years of underwriting experience.

In his spare time, Aaron enjoys keeping fit at the gym and playing football and golf. He also loves spending time with his daughter.

Speak to a specialist today

If you are a broker or other intermediary, please use this form for all general enquiries or call us on +44 (0)20 7337 9888. Please note that DUAL is not authorised to deal directly with customers, so please direct any enquiries via your insurance broker.

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