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  • Finishing Trades: Shopfitters, electricians, painters and decorators.
  • Building Allied Trades: Bricklayers, tillers, hod carriers and metalworkers.
  • Plant hire or machinery installation: Air conditioning and refrigeration engineers, hirers of contractors’ plant or site welfare facilities.

Key Cover

Standard Cover
  • Market leading Employers’ Liability - Covering damages and the legal costs when employees suffer injury or disease because of their work. Indemnity limits up to £25 millions available.
  • Public and products liability - Flexible indemnity limits. Corporate Manslaughter extension up to £5 million, environmental statutory clean-up costs. No standard height or depth restrictions.
  • Contractors all risks - Contract works limits and contract description tailored according to requirements. Cover for owned and hired in contractors plant anywhere in the UK and employees’ personal tools and on site. Includes £250,000 for works stored anywhere in the UK (important when space on site is limited). This includes plant recovery costs.
  • Speculative building extension - Covers buildings for three month after completion of work on site or until sold. We understand that sometimes apartments and houses are more difficult to sell while as site is still in the early stages. In addition, show homes are covered specification build to policy limit and contents up to £25,000.
Enhanced 360o Cover

Zurich's cover offers ultimate flexibility for your customers with eight additional options which can be added to our standard cover.

  1. Part product protection
  2. Products cover written on 'any one occurrence' basis rather than an aggregate limit
  3. Low claims renewal bonus for EL/PL & CAR
  4. Flexible Excess
  5. Hold covered extension for JCT (Joint Contract Tribunal) non-negligent insurance
  6. Mutliple insureds and non-vitation extension
  7. Additional costs of construction including unbuilt portions of the works
  8. Financial Loss (tort only)



Trades Sales aid

pdf icon  Trades Sales aid

Policy Documentation

Zurich 360o Contractor

pdf icon  Policy


Major Customer Construction

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Contract Works Construction

pdf icon  Policy

pdf icon  Policy Summary

Contracts Work Machinery

pdf icon  Policy

pdf icon  Policy Summary

Contractors Plant

pdf icon  Policy


Contractors Joint Indemnity

pdf icon  Policy


Contact Us

To start building bespoke cover today, contact us.

» Contact Zurich Construction

Trade Sales Aid

For more information about our cover

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To start building bespoke cover today

» Contact us

Insider for brokers

Simple, sharable insurance expertise to give you the edge. » Find out more

Our Claims Service

To report construction claims please call our dedicated Construction claims handlers on
0800 302 9055

» Our claims service and expertise