Contractors Combined

Digitally Traded

Introducing Aviva Contractors Combined cover

Contractors Combined can provide cover to contractor businesses with a turnover of up to £10 million with a maximum wage bill of up to £2.5 million, providing a straightforward digital solution across key contracting trades.

Our Contractors Combined cover brings together the essential protections that contractor businesses rely on, in one consistent and digital-friendly solution. Created to bridge the gap in the digital trading of contracting risks, it offers a streamlined journey for brokers and a cover designed to help give clients confidence that their work, people and equipment are protected.

JavaScript is required to use features on this page, but is not currently available; please try again.

Transcript for video Contractors Combined 2026

Introducing Contractors Combined Insurance

Lauren Ballingall, SME Property & Liability Portfolio Lead: Innovation for us as a Performance Team is broadening the scope of our products, to allow you to write more business digitally. Our Contractors Combined product is a larger version of our existing Self Employed product. So, it allows for property damage covers, which is a key difference between what we have currently on Self Employed. And it will also have higher limits so that again, more business can be written digitally.

Gavin Fraser, Digital Lead Product Owner: Essentially, it will allow a broker to trade larger scale construction risks in the matter of minutes.

Lauren Ballingall: Your feedback is at the heart of everything that we do, making the digital journey efficient for you and make sure that our products are fit for your customers.

Trade digitally with confidence. Unstoppable. Together.

Why do clients need Contractors Combined cover?

Contractors face a set of risks every day, from damage to works in progress, or incidents involving employees, tools or members of the public. An unexpected event could stop a project, delay deadlines or create significant financial strain.

Many clients need certain covers to help protect their business such as:

Contract Works
Employers' Liability
Legal Protection
Personal Accident
Public Liability

Why choose Aviva's Contractors Combined cover?

Our Contractors Combined insurance simplifies how contractor risks are placed, offering a product that is easy to navigate and designed around the needs of key contractor trades.

What covers are available?

Public & Products Liability - protection against legal liability for bodily injury to third parties and damage to their property
Employers' Liability – required by law; if the business has any paid or unpaid employees this provides cover if anything happens to their employees as a result of the work they do
Contract Works – supports your clients with cover for Works, Your Plant, Hired-in Plant, and Employees’ Tools
Property Damage – provides cover in the event of damage to property at your client's business premises; your client can insure buildings or tenants improvements, contents, machinery and plant, fixture and fittings and stock
Business Interruption – helps protect your client against reduced income or extra running costs following an insured event, supporting them while their business gets back to normal
Terrorism - protection for property that's damaged or destroyed following a terrorist attack, including subsequent business interruption
Money & Assault – covers you against losses caused by accident or theft, whether they occur at their premises, at home, or whilst in transit
Goods in Transit – if your client transports any goods or stock as part of their business, we can provide cover against damage or theft to those goods
Commercial Legal Protection – protection for legal costs and expenses arising from specified civil and criminal incidents in connection with your client's business
Personal Accident – this cover is designed to provide financial protection for the business and support for the employee if they experience a work accident, death or serious injury

Did you know?

Policyholders can also access a range of legal help and advice through our Aviva Businesslaw website, powered by Farillio. Your clients can get access to business and legal guides, along with help for everything from branding to tax planning.

Get a quote

Contractors Combined will be live on Fast Trade soon. In the meantime, you can get a quote and buy online through Acturis eTrade.

Claims

Our dedicated claims service is there whenever your client needs us – they can call our 24/7 claims line or email us anytime.

Your client will be allocated a claims handler, who will support them throughout the entire process, but they’ll also have access to our panel of solicitors working in litigation and claims investigation.

Our defence excellence team will be on hand to help protect your clients against fraudulent claims and also give advice on best practice procedures and legislation that can help companies enhance their risk management strategies.

Explore our claims service