Insuring Construction

From complex commercial and residential development projects to a single new home property build, construction at every scale is fraught with risk and uncertainty.

Risks include planning permission and building regulations compliance, funding and finance challenges, site accidents (resulting in property damage or injuries to people), plant and tool theft (by third parties or even workers on site), design and defect risk, the availability and changing prices of raw materials, costly site discoveries (such as pollution and archaeological discovery), and the insolvency of customers, suppliers and consultants.

To ensure that your construction business or contract works project is fully protected, the risks you face need to be identified and understood, and then either mitigated or transferred to the insurance market so that if there is a loss, the right cover is in place to ensure that your project still has the best chance of being delivered on time and on budget. We can provide the advice and insurance solutions that help deal with these risks.

Some construction insurance solutions are designed to protect a single project for its duration (such as an owner controlled insurance programme), while others are designed to insure a construction business, such as a building contractor or a single tradesman, throughout the year (with an annual policy). Construction and contractors insurance programmes can include cover for:

  • own property damage
  • contract works
  • business interruption
  • injury to members of the public and damage to their property
  • injury to employees and labour only subcontractors
  • non-negligent damage to third party property (JCT 6.5.1, JCT 21.2.1, Party Wall or JCT Liability)
  • legal expenses
  • latent defects / buildings warranty
  • plant & machinery breakdown
  • plant and machinery inspection obligations (PUWER, LOLER regulation etc.)
  • personal accident
  • goods in transit

You may also need to comply with contractual obligations owed to third parties, including governing authorities, employers, investors and lenders. It is not easy making sure that everything is dealt with, however an insurance broker with experience in this area can certainly help.

If you like to talk to us please send a message using our contact page or book a call with us using the button below.

Insuring Property

Insuring Business

Insuring Individuals


Insurance policies for property developers & construction firms

Buying the right portfolio of insurance policies for your construction project or construction business can be a complex and mystifying process and you may only find out your insurance programme isn't quite right when you receive a claim that isn't covered. To assist, below is a small selection of papers providing a summary of the core insurance covers that a construction industry professional should be familiar with. Click on each image for a pop-up taster of what each document is about and if you want to read the rest, simply click on the download button for a pdf copy.

We can place all these types of insurance, whether for a site specific construction project or an annual contractors combined or tradesman insurance policy, so if you need a quote please do contact us or book a call with us.

Cover, Safety and Service: What Contractors Need to Know

You know that insurance is essential for your construction business, but did you know that not all construction insurance brokers are the same? If you tend to compare policies based solely on price and cover, then you are missing vital services that only select brokers can provide – services that will save you time and money. An expert broker in the construction insurance industry knows contractors need the right covers as well as services that include superior risk control, claims processing and underwriting service.

Contract Works Insurance

Your property is subject to many risks, including social and catastrophe perils, structural issues and even disputes with tenants. By purchasing a commercial property insurance policy, you can make sure that you are protected against these risks.

Terrorism Insurance

Terrorism is not new, but the frequency, audacity and geographical reach of terrorist attacks have noticeably increased in recent years. Understandably, business owners, risk managers and insurers are concerned with mitigating the risks posed by increasingly prevalent, damaging and random terrorist attacks.

Because losses, costs, damages and expenses from terrorism are typically excluded from standard commercial insurance policies, terrorism cover must either be added on as an extension or purchased as a stand-alone policy. By adding terrorism cover to your policies, you can protect your business from this ever-growing set of hazards.

Employers' Liability Insurance

Employers’ liability insurance protects employers from claims of negligence made by employees who suffer injury or ill health due to their work. Unlike most other types of insurance, employers’ liability insurance is compulsory. If you employ workers based in England, Scotland or Wales (including offshore installations or associated structures), your company must carry employers’ liability insurance to avoid fines.

Public & Products Liability Insurance

The only way to effectively protect the assets of your business is to carry adequate insurance cover. Liability insurance protects your business from damages caused by bodily injury or property damage for which your business is found to be legally liable.

Self-build Insurance

Finding the right home can be a difficult, discouraging experience. Prospective homeowners can have long lists of criteria for their ideal home, such as a specific location or certain amenities. The difficulty of finding a home that ticks every box can push some buyers to build their ideal home instead, either with the assistance of a contractor or by themselves.

Regardless of which option you choose, there are inherent risks involved with the project—risks which you need to be adequately covered for. The only sure way to protect your sizeable investment and new, bespoke home is with self-build insurance.

Commercial Legal Expenses

Despite proper risk management practices, even the most successful and prepared organisations can find themselves suffering from the consequences of a legal dispute. And dealing with litigation problems certainly isn’t cheap—whether it be hefty fines and legal representation costs or excess time spent away from the office, such disputes can leave businesses with a broken bank and a tarnished reputation. Fortunately, insurance policies such as commercial legal expenses cover can help protect your organisation in these circumstances and set you on the road to recovery.

Plant and Equipment Inspections

As an employer, you need to ensure that your employees have a safe working environment, and part of that means conducting inspections on and maintaining work equipment. The purpose of an inspection is to identify whether work equipment can be operated, adjusted and maintained safely and to detect and remedy any issues before it results in a health and safety risk.