Contractors Liability insurance

Contractors liability

Dedicated underwriters, ready to help with your clients' specific requirements

Insurance Trust Company GmbH understands the needs of your construction clients and offer a combined liability product that is second to none.

The regular communication, guidance and advice has provided some welcome consistency
Tom Taylor, Five Insurance Brokers Limited

Features and benefits

  • Non-adjustable policy - no end of year declaration adjustments
  • Legal expenses cover automatically included with the option to add contract & debt recovery cover
  • Option to extend to cover property damage including stock and ICOW
  • Online employment and health & safety service automatically included 
  • Option to extend to cover directors & officers up to £1M
  • Exclusive quotes, with each risk assessed on its own merits
  • A+ rated security
  • Minimum premiums start from £750 +IPT
  • Access to experienced underwriters offering a fast and flexible service
  • Option to include property damage including stock and contents of contractors premises
  • Financial loss extension included (risk dependent)
  • Defective workmanship extension included (risk dependent)
  • Professional indemnity extension included (risk dependent).

    Targeted trades

    Building Contractors

    Carpentry/joinery contractors

    Painters and decorators

    Ceiling and partitioning contractors

    Plasterers and dry liners

    Electrical contractors

    Shop/office fitting contractors

    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:

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

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