We provide various contractors combined insurance packages depending on individual client needs, but we have also developed a contractors combined policy with our partner insurers that provides a level of cover which is probably the widest currently available and includes as standard the following benefits:
With regards to bona fide subcontractors (supply and fix) we always recommend that you ensure they have adequate insurance in place with limits at least equal to your own. This is simply good practice and we are sure you do this as standard. However most, if not all, standard contractors policies have endorsements which state that if in the event of a claim your subcontractor does not have valid insurance in place, then the insurer will not provide cover.
Our main contractors policy has no such warranty and therefore you are fully covered should this situation arise. This may seem a small point but it is very common for a main contractor to be held responsible for the actions of subcontractors and without this added protection this could have far reaching financial consequences in the event of a claim.