DUAL Group
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Contractors Combined insurance
Wide cover, competitive premiums and real added value
DUAL understands the needs of your construction clients and offer a contractors combined product that we believe is second to none. Our knowledge of construction means that we can include a combination of covers and added values we believe you won’t find elsewhere.
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 – see further details below
- 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
- Financial loss extension included (risk dependent)
- Defective workmanship extension included (risk dependent)
- Professional indemnity extension included (risk dependent).
DUAL DNA+ and theft excess reduction
We understand how important it is to help your client protect their plant and equipment against theft. Every DUAL construction quote that covers Own Plant automatically includes DUAL DNA+.
How it works:
Each DUAL DNA+ kit includes signage to deter thieves and our innovative forensic coding solution.
Each bottle combines an adhesive solution with uniquely coded micro-particles registered exclusively to the policyholder on an international database.
The liquid is invisible and quick and easy to apply.
DUAL DNA+ is virtually impossible to remove. This provides irrefutable proof of ownership and Increases the likelihood that plant is returned to the owner once recovered after theft. What’s more, once your client applies the solution and erects the signage, we will reduce their theft excess by 50%.
Find out more
Targeted trades
Builders
Electricians
Carpenters
Joiners
Plasterers/ceiling contractors bricklayers
Groundworkers
Shopfitters
Meet the team
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.
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.
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.