Construction Insurance

We can provide specialist construction insurance covering a wide range of contracts and trades within the construction industry with protection to cover the risks you face on an everyday basis.

0333 207 0368

Mon-Thu 8.30am-5.30pm, Fri 8.30am - 5pm

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About Construction Insurance

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Construction insurance for a range of trades

Our wide client base and experience spans most construction trades, so we understand the risks you face and the protection you need.

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Specialist construction cover advisers

Our advisers can help with risk identification and assessment, so you can meet the insurance requirements of the contracts.

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Dedicated construction claims service

Experts claim handlers to give you peace of mind.

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Pay for your construction insurance by Direct Debit

You can choose to split your payment into ten monthly instalments. Please read our dedicated page on Direct Debit.

Features of Construction Insurance

Standard cover

Construction insurance for any industry

We can provide cover across a range of different construction industries. Our policies are suitable for house and office builders, project managers, scaffolding and roofing contractors, joinery manufacturers and more. 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 contractors’ public and employers’ liability, with options to include environmental liability, latent defects, bonds and design and construction professional indemnity. Our aim is to build you the perfect construction insurance policy to suit your needs.

The right cover for your construction business

In order to provide the most suitable construction insurance for your business we work to thoroughly understand your needs. Our service typically includes risk identification and assessment, contract reviews, 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 ten monthly instalments.

Construction Insurance FAQs

Question

Why do I need construction specific insurance?

Answer

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.

Question

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

Answer

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.

Question

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

Answer

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.

Question

Is the financial rating of an insurer an important factor?

Answer

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.

Question

Can I pay in instalments?

Answer

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.

Question

Are there any exclusions?

Answer

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.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Give us a call

on 0344 892 1384 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

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How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Give us a call

on 0344 892 1384 for construction insurance claims

3.

Explain what happened accurately

to help your claim be processed efficiently

4.

Provide photos where possible

to help us understand what happened as quickly as we can