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Reading the risk
For: Builder
We couldn't tell the trade from that, so these are the broad commercial markets. Add the trade and the class of cover for a sharper list.
What underwriters will focus on
Builder with scope unspecified; likely core requirements are EL, PL, contractors’ all risks and plant. Underwriters will focus on work types, height and depth exposure, subcontractor use, contract values and claims history.
Where to start
AXA Insurance UK; MSIG Europe; AXIS (Lloyd's Syndicate 1686); HSB Engineering Insurance (varies by product) Source
Quote online (own portal) · Victor for Brokers Source
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We found 120 UK markets that write builder risks: 32 insurers, 85 MGAs and 3 Lloyd's markets. Commonly listed: Victor Insurance, Original Underwriting.
A turnover split by activity is the starting point, along with maximum working height and depth, heat work and any structural or loft conversion work. Labour-only subcontractors and headcount shape employers' liability.
building contractor, general builder, small works builder, building tradesperson