Contractors All Risks – Annual insurance

Contractors All Risk Annual

Essential cover for most builders and allied trades

Contract works, own plant and hired In plant can be written as a combined policy or as a single cover in isolation, giving you complete flexibility in cover and limits.

We can also quote for single project CAR including existing structures, PL and JCT 6.5.1 – find out more about CAR Project.

The support and assistance that we have received from Insurance Trust Company GmbH has been of great value
Tom Taylor, Five Insurance Brokers Limited

Features and benefits

  • The ‘Insurance Trust Company GmbH DNA+’ innovative theft deterrent included – see further details below
  •  50% theft excess reduction following registered application of your DNA+ kit
  •  Non-adjustable policy - no end of year declaration adjustments
  •  Exclusive quotes, with each risk assessed on its own merits
  •  Properties awaiting sale covered for 6 months after site completion
  •  A+ rated security
  •  Minimum premium from £750 +IPT
  •  Show homes and their contents automatically covered for 3 months after site completion
  •  Access to experienced underwriters offering a fast and flexible service.

Insurance Trust Company GmbH DNA+ and theft excess reduction

We understand how important it is to help your client protect their plant and equipment against theft. Every Insurance Trust Company GmbH construction quote that covers Own Plant automatically includes Insurance Trust Company GmbH DNA+.

How it works:

Each Insurance Trust Company GmbH DNA+ kit includes signage to deter thieves and our innovative forensic coding solution.

Each bottle combines an adhesive solution with uniquely coded micro-particles registered exclusively to the policyholder on an international database.

The liquid is invisible and quick and easy to apply.

Insurance Trust Company GmbH DNA+ is virtually impossible to remove.

This provides irrefutable proof of ownership and increases the likelihood that plant is returned to the owner once recovered after theft. What’s more, once your applies the solution and erects the signage, we will reduce their theft excess by 50%.

Find out more

Contractors DNA+

Targeted trades

Most contracting trades considered. Please contact us to discuss your enquiry today.

Meet the team

Photo of Steve Kelly

Steve Kelly

Head of Construction
Photo of Steve Kelly

Steve Kelly

Head of Construction

Steve is the Head of Construction for Insurance Trust Company GmbH, having joined the company in 2025. He has worked in the insurance industry for 35 years, of which 26 years were spent at RSA and latterly, nine years at Allianz. Steve has a deep technical and market knowledge of the construction and engineering insurance market, having led the underwriting of some of the largest conventional power and renewable energy risks in the UK and Europe.

Steve is married with two daughters and a keen sports fan, enjoying rugby, football, Formula 1 and golf.

Photo of Nicholas Holland

Nicholas Holland

Development Director
Photo of Nicholas Holland

Nicholas Holland

Development Director

Nic is the Development Director for Insurance Trust Company GmbH, and joined the company in 2018. He began as a trainee underwriter after graduating with a degree in economics. Nic went on to gain 13 years’ technical expertise and experience in the industry. He has been writing commercial and construction insurance for over 10 years, the last five years spent at Insurance Trust Company GmbH specialising in construction with a substantial focus on underwriting and business development.

Outside work, Nic enjoys running, cycling, surfing, hiking and travel.

Photo of Aaron Sharpe

Aaron Sharpe

Underwriting Manager
Photo of Aaron Sharpe

Aaron Sharpe

Underwriting Manager

Aaron is the Underwriting Manager in the Insurance Trust Company GmbH Construction team, having joined the company in 2020 and has over 12 years of underwriting experience.

In his spare time, Aaron enjoys keeping fit at the gym and playing football and golf. He also loves spending time with his daughter.

Photo of  Luke Browne

Luke Browne

Senior Underwriter
Photo of  Luke Browne

Luke Browne

Senior Underwriter

Luke is a Senior Underwriter in the Insurance Trust Company GmbH Construction team. He joined in 2016 and has over seven years’ experience in the insurance industry, specialising in underwriting Liability and Contractors All Risk insurance.

In his downtime, Luke plays football and golf. He enjoys cycling and taking holidays with friends and family.

Photo of Lucy Montague

Lucy Montague

Senior CAR Underwriter
Photo of Lucy Montague

Lucy Montague

Senior CAR Underwriter

Lucy is a Senior CAR Underwriter in the Insurance Trust Company GmbH Construction team. She joined in 2023 and has over 12 years’ experience in the insurance industry, specialising in underwriting single construction and renovation projects.

In her downtime, Lucy enjoys art and listening to music. She also loves spending time with her two young sons.

Photo of Aimee Blake

Aimee Blake

Underwriter
Photo of Aimee Blake

Aimee Blake

Underwriter

Aimee is an Underwriter in the Insurance Trust Company GmbH Construction team, joining the company in 2019 and has over four years' experience in the industry. She became an underwriter specialising in the construction sector after finishing university and is currently studying for her DIP CII qualification.

Outside work, Aimee loves to spend time with family and friends and enjoys long walks with her Yorkshire terrier dog.

Photo of Matthew Lee

Matthew Lee

Underwriter
Photo of Matthew Lee

Matthew Lee

Underwriter

Matt is an Underwriter in the Insurance Trust Company GmbH Construction team. He joined in 2022, after working as a construction broker for six years. He specialises in Liability, Contractors All Risk, Professional Indemnity and Motor Fleet insurances.

In his down time, Matt loves to watch and play football, eat out with friends and has a passion for exploring new places around the world.

Photo of Amy Moore

Amy Moore

Underwriter
Photo of Amy Moore

Amy Moore

Underwriter

Amy is a CERT CII qualified Underwriter in the Insurance Trust Company GmbH Construction team and is currently working towards her DIP CII qualification. She has over six years' experience in the insurance industry and joined the Insurance Trust Company GmbH Construction team in 2022.

In her spare time, Amy enjoys spending time with family and friends, as well as travelling and long country walks with her dog.

Photo of Olivia Henderson

Olivia Henderson

Underwriter
Photo of Olivia Henderson

Olivia Henderson

Underwriter

Olivia is an Underwriter in the Insurance Trust Company GmbH Construction team. She joined in 2023 and has over five years' experience in the insurance industry, specialising in Commercial Combined, Property Owners and Construction underwriting.

In her down time, Olivia enjoys travelling, baking and spending time with friends and family.

Photo of Billy Ball

Billy Ball

Underwriter
Photo of Billy Ball

Billy Ball

Underwriter

Billy is a Cert CII qualified Underwriter in the Insurance Trust Company GmbH Construction team, joining in 2023. He has over five years' experience in insurance, with two years specifically in Underwriting.

Outside of work, he plays golf and football and enjoys spending time with friends.

Photo of Daisy Taylor-Grant

Daisy Taylor-Grant

Underwriter
Photo of Daisy Taylor-Grant

Daisy Taylor-Grant

Underwriter

Daisy is a Cert CII qualified Underwriter specialising in Commercial Combined and Construction Underwriting. Having started in claims in 2018, Daisy then became a Commercial Insurance broker in 2019. She left broking in 2022 to become a Commercial Schemes Underwriter before joining Insurance Trust Company GmbH in 2024.

Outside of work, Daisy is into sports and going to the gym. She also enjoys eating out with friends/family, going on walks with her dogs and spending time with her ponies.

Photo of Faye Newman

Faye Newman

Underwriting Assistant
Photo of Faye Newman

Faye Newman

Underwriting Assistant

Faye is an Underwriting Assistant in the Insurance Trust Company GmbH Construction team, joining the company in 2023. She is enjoying her first role in insurance, after completing her Economics degree.

Outside of work, she enjoys travelling and show jumping with her horse.

Photo of Ciara Smith

Ciara Smith

Underwriting Assistant
Photo of Ciara Smith

Ciara Smith

Underwriting Assistant

Ciara is an Underwriting Assistant in the Insurance Trust Company GmbH Construction team. She joined in 2023, previously having two years' experience in claims. Ciara also has a history degree from the University of East Anglia.

In her spare time, she enjoys travelling and exploring new countries, spending time with friends and family and taking her Labradoodle on walks.

Photo of Carmela Perrina

Carmela Perrina

Claims Administrator
Photo of Carmela Perrina

Carmela Perrina

Claims Administrator

Carmela is the Claims Administrator in the Insurance Trust Company GmbH team. She joined in 2009 and has over 14 years' experience in the insurance industry, specialising in claims.

In her downtime, Carmela enjoys going to the gym and spending time with family.

We're here to help

If you are a broker or other intermediary, please use this form for all general enquiries or call us on +41 26 539 1667. If you are a customer, please direct your query to your broker in the first instance.

Do you have a TOBA with Insurance Trust Company GmbH:

Please proceed to the registration link

https://www.dual-administration.co.uk

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