DUAL Group
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Contractors All Risks – Annual insurance
Comprehensive cover for UK construction projects
DUAL provides broad, tailored cover for your small and medium-sized contracting clients. We can cover Contract Works, Own Plant, tools, and Hired-In Plant - giving you complete control over the cover and limits you require.
This annual policy is built to work hard for your clients. Coverage extends to theft deterrents and non-adjustable premiums.
It’s very refreshing to be dealing with an underwriter who shares our hunger, enthusiasm & willingness to service their clients so efficiently
Key benefits
Flexible cover options
Contract works, own plant, and hired-in plant can be packaged or selected individually to suit each client’s risk profile and appetite.
No year-end surprises
Our non-adjustable policy structure means no declarations or premium recalculations at renewal.
DUAL DNA+ theft deterrent
Provides irrefutable proof of ownership and increases the likelihood that plant is returned to the owner once recovered after theft.
Theft excess reduction
If DUAL DNA+ is applied and signage is erected, theft excess is automatically cut by 50%.
Post-completion protection
Properties awaiting sale are covered for 6 months after site completion; show homes and contents for 3 months.
Exclusive quotes, risk-rated by experts
Every risk is underwritten on its own merit with no generic pricing or auto-declines.
Starting from £750 + IPT, with A+ rated capacity backing every policy.
Responsive service
Fast, flexible underwriting from a dedicated UK-based Construction team.
What’s covered
DUAL’s Contractors All Risks annual insurance can include:
We can also quote for single project CAR including existing structures, PL and JCT 6.5.1.
Contract works
Own plant
Hired-in plant
Employee tools
More key features
- Non-adjustable policy – no end-of-year declarations or premium adjustments
- 90-day cessation of works clause
- Unlimited continuing hire charges cover
- Properties awaiting sale covered for 6 months post-completion
- Show homes and contents covered automatically for 3 months post-completion
Risk appetite
- Small to mid-sized UK construction firms
- General builders and allied trades, including residential, commercial and mixed-use projects
- Contract value range up to £16m for individual contracts within an annual programme.
Not covered
We are unable to provide cover for clients needing policies for:
- One-man-band contractors
- Contractors with £50m+ turnover
- Non-UK contractors
- Customers with poor claims history, bad credit, or weak site security
Underwriting requirements
- Full breakdown of required covers (contract works, own plant, hired-in plant)
- Total estimated annual turnover and largest contract value
- Claims history (5 years preferred)
- Details of risk management, site security, and previous insurance arrangements
- Confirmation of UK trading entity and nature of contracting work
Why choose DUAL?
Specialist construction underwriting
Our underwriters possess decades of expertise in construction underwriting. Their professional guidance enables you to thoroughly support and explain coverage options, while adeptly managing complex situations for your clients.
Bespoke coverage
We craft our policies to precisely match your clients' unique needs. Additionally, we offer complimentary value-added services, including legal support, DNA+, and health and safety resources.
Fast and flexible service
We strive to deliver efficient service and swift claims processing, helping to ensure your clients can continue their operations without unnecessary delays.
Insurance Business UK Brokers on Construction award
We are delighted to have been acclaimed in the 2025 Insurance Business UK Brokers on Construction awards.
