Skip to main content

Contractors Combined

Every project can be different, so contractors need to be open-minded, agile and adaptable. That’s why we have the insurance to match.

QBE Contractors Combined packages core insurance covers into a single policy to meet the specific needs of the mid-market contracting sector, with additional options including QBE’s Risk Solutions offering.

This product is designed to accommodate medium-sized businesses with a turnover of up to £50 million. It builds on our monoline offering and is a natural follow-on from our e-trade Contractors Combined and Tradesman products for the SME market.

Empowered underwriting

As specialist insurance providers for almost every kind of business, our people have the experience, detailed knowledge and positive attitude you need to achieve your goals. Our underwriters are empowered to make decisions and provide prompt, pragmatic solutions.

We have a broad appetite for risk and in-depth experience of working with mid-sized customers across a wide range of projects and trades. Our expertise means we can often provide cover for even the most challenging risks and situations.

Effective risk management support

Construction is one of the largest industry sectors in the UK, employing 3.1 million people or around 10% of the workforce. Though there have been significant improvements in recent years, construction is not without its risks.

QBE customers have exclusive and unlimited online access to our range of self-assessment questionnaires and risk management toolkits which are focused on the key causes of claims, and on generating action plans for improved outcomes - including protecting employees, reducing risk and making claims less likely. Customers can also access a library of Risk Snapshot guides, guidance notes, toolkits and other risk management material, along with RoSPA accredited online health and safety e-learning. You can find out more here.

Meeting the mental health and well being challenge

Mental health issues are the single biggest cause of workdays lost in the UK, accounting for approximately 57%, and costing businesses up to £45 billion a year in lost revenues.

To help businesses meet the mental health challenge, we have collaborated with renowned charity Mind and other trusted mental health providers to launch an organisational mental health self-assessment optimisation tool, unique in the insurance market. QBE customers can access it here.

Claims expertise

With a heritage of technical claims expertise, combined with extensive experience of tailored insurance programmes, our claims team provide an integrated claims service with a real emphasis on achieving the right outcome for customers.

We believe it is our collaborative partnership approach which sets us apart. We carefully select our partners when it comes to claims services to bring together a group of experts focused on the total cost of claims all of whom share our ethos and approach of putting the customer first. We are proud of our record for handling of claims, regularly receiving industry recognition for our Major Loss, Rehabilitation and Fraud teams. We are confident when it comes to claims you can judge us on what we do not what we say.

QBE Premiums4Good – working for a better world

Our ground-breaking initiative Premiums4Good, gives customers the choice to have up to 25% of the insurance premium go to impact investments that deliver an environmental or social impact or return, such as reducing homelessness, renewable energy, improving chances for foster children and agricultural productivity.

Products for other risks

This Contractors Combined product is particularly suited to mid-market customers. For smaller risks, we offer two SME e-trade products. QBE Contractors Combined and Tradesman products are available on QBE FastFlow and Acturis. You can find information here.

We can accommodate large, complex or hazardous risks on a monoline basis. Please speak with your local QBE underwriting team or account manager.