Contractors’ Combined for SMEs
eTrade via Zurich Online and Acturis
Table of contents
About our SME Contractors’ Combined product
Our Contractors’ Combined product combines 15 key business insurance covers into one convenient policy.
Our Zurich Online platform allows you to access Contractors’ ‘all-risks’ covers: Contract Works, Owned Plant, Hired in Plant and Employees’ Personal Tools cover.
Our Legal Expenses cover is provided by ARAG a specialist provider of legal protection insurance.
Cover highlights
- All our property covers are average-free
- Material damage cover is on an “all-risks basis” including subsidence
- Material damage cover includes a public authorities clause, which includes the additional cost of reinstatement of undamaged portions of a property to comply with legislation
- Material damage cover also includes a brand protection clause, for reasonable costs incurred in mitigating reputation damage arising from an insured event
- Public and products liability cover has a choice of limits (£5 million standard)
- Our public liability cover includes a munitions of war extension to protect you against liability arising from unearthing historic weapons of war
- Our JCT clause 21.2.1/6.5.1 gives a 30 day limited cover for third party property damage
- Our public liability cover also gives a Financial Loss extension which protects you for sums which you become liable for in tort
- We provide a Data Protection extension which covers liability arising under the Data Protection Act 2018
- Our Employers’ liability cover includes a wide definition of employees
- Business interruption cover can be tailored to your clients’ needs, with a choice of covers and indemnity periods
Contractors’ Combined is a flexible modular product that can be tailored to meet each customer’s unique requirements.
See our summary of cover (under Contractors’ Combined documents - SME) for more information on cover, limits, conditions and exclusions.
What types of businesses do we cover?
Our appetite includes UK-based businesses with a turnover up to £5 million with construction and contracting risks, including:
- Air conditioning and ventilation engineers
- Builders
- Carpenters and joiners
- Electricians
- Groundworkers
- Landscape gardeners
- Plant hire
- Plumbing and heating engineers
- Shop fitters
Get a quote
You can get a quote via Zurich Online or Acturis. We’ve been given a five-star rating for both in the Insurance Times eTrading Star Ratings report.
Note: Contractors’ all risks cover is only available on Zurich Online.
If you don't have an account and would like to trade with us:
If you have an account with us already, just log in to get a quote.
Why choose our SME Contractors’ Combined product?
A claims service your clients can depend on
Our dedicated, knowledgeable and empathetic claims handlers are on hand to help.
- We’ll use all our experience to defend and protect your clients’ businesses
- Our expert panel of legal advisers can even provide advice pre-litigation
- Your clients will also have access to Zurich Support Services, a free and confidential health and wellbeing service, offering support ranging from counselling to debt management. Access to Zurich Support Services is not part of an insurance contract with Zurich, and we reserve the right to withdraw access at any time without notice
We make things easier
No matter how you get in touch, live chat, phone, or email, you’ll always speak to one of our expert SME underwriters. Not a bot.
We provide a range of additional services to your clients at no extra cost, including:
- Zurich Risk Advisor
- A risk management advice line
- Commercial legal assistance provided by ARAG (including legal, tax and business advice)
- An online law guide and document-drafting, provided by ARAG
Make a claim
Property and liability claims can be made online or over the phone. Find out more about the process for each claim type.
Property claims
Find out how to make a property claim or access further guidance about the claims process.
Liability claims
Read our liability claims guidance or find out how to submit a liability claim.
Zurich Resilience Solutions
With a dedicated team of risk management specialists, Zurich Resilience Solutions can provide organisations large and small with practical tools, expert advice and tailored support to manage and mitigate risk.
Its suite of risk management services can be purchased independently, your clients do not need to have an insurance contract with Zurich.
Working with Zurich
Club Blue
We're committed to forging strong partnerships with our regional brokers. Zurich Club Blue members benefit from a range of support focused on three core pillars: ease of trading, professional development, and future-proofing.
Delegated authority
If you’ve got a scheme opportunity, find out about the support we can offer as a delegated authority partner and how to register your interest.
Resilience risk review for your business
Our business resilience risk review is designed to help identify, assess and manage risks that could impact the continuity and resilience of your business operations as a broker.