Commercial Express

The Value Added MGA

01384 473021

Contractors All Risk


Target Market
Our Contractors all Risk product is underwritten by HSB Engineering Insurance Limited and is suitable for small to medium sized contractors that require insurance cover for contract works, tools, plant (hired and owned), personal (including employees) tools.

The product is not suitable for larger sized contractors who have individual contracts worth more than £1,5000,000.

Features & Benefits

  • Contract Works available in isolation
  • Contract Limit available up to £1,500,000
  • Contract Works on or adjacent to the site of any Contract and whilst in Transit covered on an All Risks basis up to handover and 14 days thereafter where required by Contract
  • 180 days additional cover beyond completion for private dwelling houses
  • 12 month maintenance period for visits and defects liability
  • Automatic cover for show houses and contents, subject to a limit of £50,000 for contents of any one show house

  • Automatic cover for dismantling, demolition, removal of debris and clearing of drains
  • Automatic cover for professional fees
  • Covers clerical costs for rewriting plans, drawings or other contract documents if damaged up to £25,000
  • Covers continuing hiring charges for which you are liable following an incident.
  • Legal expenses cover for Hired in Plant, provided we have consented in writing

Optional Extras

  • Owned Plant available on an All Risks basis available up to £250,000
  • Hired in Plant available on an All Risks basis available up to £250,000
  • Employees’ Tools & Personal Effects used on site/adjacent to the site up to £25,000 (Max SI per
    Employee up to £1,000)
  • Free issue materials’ for which the insured is responsible for