Construction Insurance

Our experience working with construction professionals and our long-standing relationship with many major insurers means we combine expertise with cost effective cover.

Our wide client bases spans every trade within construction and as such we have a wider knowledge of the risks faced by our customers.

0333 207 0368
0333 207 0368 Weekdays: 9am - 5pm
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Construction insurance features

We can provide cover across a range of construction industries:

  • House builders

  • Property developers

  • Project managers

  • Civil engineers and ground workers

  • Mechanical and electrical contractors

  • Scaffolding and roofing contractors

  • Demolition contractors

  • Joinery manufacturers

  • Waste disposal and site remediation

  • Quarrying and aggregates producers

We can search the market to find you a policy that offers key features such as:

  • Public and products liability

  • Construction all risks

  • Engineering all risks

  • Advance loss of profits/delay in start-up

  • Bonds and guarantees

  • Professional liability

  • Environmental liability

  • Single projects

  • Latent defects

The right cover for your business

Our aim is to thoroughly understand our clients business and typically our service includes risk identification and assessment, contract reviews, programme audits and design, industry benchmarking, site surveys, health and safety consultancy and claims management.

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. 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.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Construction insurance exclusions

  • We currently only  offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, The Channel Islands & The Isle of Man

  • In the event of a claim - an excess may be payable. This will be prearranged and confirmed during the quotation period and will be subject to your requirements.

We will search the market for a policy that works best for your construction business. All of our customers have individual needs and therefore we can account for any specific policy features or exclusions that may not work for you. We can work with you to find the correct balance that means you get the best cover possible.

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


Construction insurance FAQs

Why do I need construction specific insurance?

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

Are labour-only subcontractors covered in the same way that direct P.A.Y.E staff are under the employer's liability policy?

Yes, both types of employers 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 sub contract works to any companies not insured with an insurer with a minimum of an A- financial rating (as determined by such companies 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 can take on.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Construction insurance claims promise

We offer a collaborative approach to your insurance review and management, not just at renewal but throughout the year. Working closely with you on a proactive basis, we will gain a comprehensive knowledge of your business and what you need from your insurance.

Your construction insurance claim

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.

0333 207 0368
0333 207 0368 Weekdays: 9am - 5pm
Get a quote Request a callback
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