As seen in

General builder with subcontractors: who writes it?

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FCA-regulated firm (FRN 1035997)
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120 markets matched

For: General builder with subcontractors

Underwriter briefReady

What underwriters will focus on

General builder using subcontractors, with EL/PL and potentially CAR and plant requirements. Underwriters will focus on labour-only versus bona fide subcontractors, their insurance checks, work types and subcontracted turnover.

Where to start

  1. Victor InsuranceSector-specialist MGA listing EL, PL, CAR and plant, matching the builder’s likely core requirements.
  2. Original UnderwritingSector-specialist MGA with CAR, plant and EL/PL, offering a suitable starting point for construction enquiries.
  3. Specialist market lockedAppetite fit and referral checks locked
  4. Specialist market lockedAppetite fit and referral checks locked
Hard to place?
Victor InsuranceMGAStrong fit★ Specialist appetite
Risk carried byi

AXA Insurance UK; MSIG Europe; AXIS (Lloyd's Syndicate 1686); HSB Engineering Insurance (varies by product) Source

How to trade

Quote online (own portal) · Victor for Brokers Source

Appetite
Sector-specialist MGA listing EL, PL, CAR and plant, matching the builder’s likely core requirements.
Check
Check subcontractor definitions, insurance requirements and any limits on subcontracted turnover.

ELPLCARPlantProperty

Broker site

Placed with them? Say how it went.
Original UnderwritingMGAStrong fit★ Specialist appetite
Risk carried byi

QBE (UK entity not specified) Source

How to trade

Submit to underwriter Source

Appetite
Sector-specialist MGA with CAR, plant and EL/PL, offering a suitable starting point for construction enquiries.
Check
Check labour-only subcontractor treatment, maximum contract values and height/depth restrictions.

CARPlantELPL

Broker site

Placed with them? Say how it went.
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
+113 more markets locked
118 more markets + remaining specialist brief picks

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As seen inFCA-regulated firm (FRN 1035997)

Market Index

See all 389 markets

UK markets that write general builder with subcontractors risks

We found 120 UK markets that write general builder with subcontractors risks: 32 insurers, 85 MGAs and 3 Lloyd's markets. Commonly listed: Victor Insurance, Original Underwriting.

Top 10 markets for general builder with subcontractors risks

  1. Victor Insurance (MGA)
  2. Original Underwriting (MGA)
  3. Imperial Underwriting (MGA)
  4. Artes Specialty (MGA)
  5. RSA (Insurer)
  6. QBE (Insurer)
  7. Travelers (Insurer)
  8. Berkshire Hathaway Specialty Insurance (Insurer)
  9. HDI Global (Insurer)
  10. Pen Underwriting (MGA)

Placing notes

Labour-only subcontractors usually count as employees for employers' liability, so the split against bona fide subcontractors is key. Maximum height and depth, heat work and evidence subcontractors hold their own cover are checked.

Also known as

main contractor, building contractor, general contractor

For insurers and MGAs

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