Contractors Liability insurance

Features and benefitsTargeted tradesContact
Contractors liability

Dedicated underwriters, ready to help with your clients' specific requirements

DUAL understands the needs of your construction clients and offer a combined liability product that is second to none.

The regular communication, guidance and advice has provided some welcome consistency
Tom Taylor, Five Insurance Brokers Limited

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
  • Option to extend to cover property damage including stock and ICOW
  • Online employment and health & safety service automatically included 
  • Option to extend to cover directors & officers up to £1M
  • 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).

    Targeted trades

    Building Contractors

    Carpentry/joinery contractors

    Painters and decorators

    Ceiling and partitioning contractors

    Plasterers and dry liners

    Electrical contractors

    Shop/office fitting contractors

    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.

    We're here to help

    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. If you are a customer, please direct your query to your broker in the first instance.

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