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Contractors - Excess Layer
Higher limits of indemnity
In an increasingly litigious world, it has become more important for companies to have higher limits of indemnity to ensure they are covered for every eventuality, and meeting their contractual requirements.
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.
Targeted trades
Most contracting trades considered
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.