Specialist Industries

At SSR, we know that placing Contractors Commercial Combined Insurance is rarely about boxes and limits alone. It is about finding a home for well-run contracting businesses that understand their risks and expect their insurance to do the same.

Our Contractors Commercial Combined product is designed specifically for UK contractors with established operations, clear scopes of work and a strong approach to risk management. It is a liability-led, packaged solution supported by A-rated Lloyd’s capacity and built for brokers placing primary business for clients who care about quality cover.

With over 80 trades within appetite, this product comfortably supports a wide range of contracting activities. From building contractors, civil engineering, drainage and groundworks, through to electrical, plumbing and heating, landscaping, plant hire and skip hire, our appetite reflects the realities of modern contracting businesses. Each risk is assessed on its own merits, with a focus on clarity, consistency and sensible underwriting.

Cover is broad and flexible. Public and products liability is available up to £15 million, employers liability up to £25 million (including excess of loss) and contractors all risks and property cover up to £5 million. A number of valuable extensions are available, including financial loss, defective workmanship and goods on hook, with options to increase limits where required. Professional indemnity and legal expenses can also be added, allowing brokers to place a comprehensive Contractors Commercial Combined policy under one roof.

This product is best suited to brokers handling 100 percent primary placements for contractors with a favourable loss history and consistent trading performance. If you are looking for a Contractors Commercial Combined solution that is commercially minded, straightforward and backed by underwriting expertise, this is a product built to support your clients and your placements.