Construction Insurance

Specialist construction insurance covering a wide range of industries.

  • Our wide client base spans most trades within construction, so we know the risks you face
  • Our advisers can help with risk identification and assessment, contract reviews, programme audits and much more
  • We can find a construction insurance policy tailored to you from a wide range of insurers

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Call us today to speak to a specialist construction insurance adviser

0333 207 0368
0333 207 0368

Weekdays: 9am - 5pm
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Features of our construction insurance

Construction insurance for any industry

We can provide cover across a range of different construction industries from house builders and project managers to scaffolding and roofing contractors and joinery manufacturers. We have experience working with construction professionals across many different areas and our relationship with major insurers means we combine expertise with cost effective construction insurance.

Bespoke construction insurance to suit you

We search the market to find you a policy that offers key features including public and products liability, environmental liability, advance loss of profits, latent defects, bonds and guarantees, and professional liability. Our aim is to build you the perfect construction insurance policy to suit your needs.

The right cover for your business

In order to provide the best construction insurance for your business we work to thoroughly understand your needs. As such our service typically includes risk identification and assessment, contract reviews, programme audits and design, claims management, and much more.

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your construction insurance. Through our preferred provider, Premium Credit Limited (PCL), you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments. To find out more about PCL and direct debit payments, select Direct Debit.

Construction Insurance Claims

Should the worst happen we will be there to manage your claim and ensure a prompt and fair settlement. We know your time is valuable, which is why our experienced team will strive to finalise your claim as quickly as possible.

Please call us on the number found in your policy documents between 8.30am until 5.30 pm Monday to Friday. Our customer advisors will talk with you about your claim, guiding you through your next steps and taking you through the process.

Construction Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your construction insurance.

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Business Insurance Checklist

Business insurance can be tricky at times and often people don’t understand what they need, where to go to get the correct advice, or sometimes, even what is legally required! We would always recommend speaking directly with a specialist business insurance broker before getting covered but this list of pointers here can help you understand what you can do personally too, to help get the best insurance for your business.

Subcontractor

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How to Protect Yourself When Hiring a Subcontractor

Hiring a contractor or freelancer is different to hiring a standard employee, and it's not without risks. This article will look into what to consider when hiring a subcontractor on a project, the legal implications, and how to protect yourself from any potential issues that could arise.

Construction Insurance FAQs

Why do I need construction specific insurance?

Some general policies could contain inadequacies that would leave your construction business uninsured in the event of a major loss. Therefore, you may wish to protect your company with a construction industry specific policy.

I work in a very niche industry – will your construction insurance still cover me?

Our wide client base spans most trades within construction and we have long standing relationships with many major insurers which means we have a wider knowledge of the risks faced by our customers. We will work hard to find you a policy that suits your individual needs. For more information on your particular case give one of our specialist advisors a call.

Are labour-only subcontractors covered in the same way that direct PAYE staff are under the employer’s liability policy?

Yes, both types of employees are covered for the same risks, although it is very important you declare how your workforce are employed as it will affect how your risks are calculated.

Is the financial rating of an insurer an important factor?

It is an important factor and we only use insurers with A-ratings. It measures an insurer’s financial situation and allows you to predict their ability to meet on-going policy obligations. Also, there are a number of main contractors that will not subcontract works to any companies not insured with a minimum of an A- financial rating (as determined by companies such as Standard & Poor’s, A M Best, Moody’s or Fitch Ratings). By not having a financially secure insurance policy in place you could potentially be restricting your business and the contracts you take on.

Can I pay for my construction insurance policy in instalments?

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

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