Construction Insurance

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

Our wide client base spans most trades within construction, property development and civil engineering. We have long standing relationships with major insurers meaning we have an extensive knowledge of the risks faced in the building sector. We will work hard to find you a policy that suits your individual needs. For more information give one of our specialist advisors a call.

Yes, both types of employees are covered under an employers’ liability policy. Cover can be arranged on a per capita basis or for larger SMEs on a wages and turnover basis. It’s important you tell us about your direct employees, as well as labour only subcontractors you engage.

It is an important factor and we only use insurers with A-ratings as determined by companies such as Standard & Poor’s, A M Best, Moody’s or Fitch Ratings. It is a globally recognised measure of an insurer’s financial situation and provides confidence on 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 By not having a policy backed by a financially secure insurer could potentially place restrictions on your business, and the main contractors or contracts you take on.

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.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.