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Home› Construction Insurance

Construction cover
built for how you work.

From a single self-build to a multi-site development programme, we place construction insurance for contractors, developers and property professionals who need cover that reflects the real complexity of their projects.

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35 years trading 3,000+ clients 94% retention rate A-rated insurers

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Construction specialists · Mon–Fri 9:00–18:00

Our Insurer Panel

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Authorisations & Memberships

FCA Authorised No. 305819 Financial Conduct Authority Industry Body BIBA Member British Insurance Brokers’ Assoc. Professional Body CII Member Chartered Insurance Institute Certified Cyber Essentials NCSC Certified Scheme Accredited Employer Living Wage Real Living Wage Employer Government Framework Crown Commercial Services Supplier
Who We Work With

Every type of construction
professional, covered

Construction risk varies enormously depending on your role, project type and contract structure. We understand all of them.

🏗️

Main Contractors

Full contractors combined cover including public liability, employers liability, contract works and plant — sized for your annual turnover and project profile.

🔨

Subcontractors & Trades

Public and employers liability for specialist trades — electricians, plumbers, groundworkers, roofers and beyond. Fast to arrange, competitively priced.

🏘️

Property Developers

Development site insurance, contractors all risks, structural warranties and plot sales indemnities — covering the full lifecycle of a development project.

🏠

Self-Build & Renovators

Private individuals undertaking self-build projects or major renovations. Contract works, site liability and structural warranty arranged from inception to completion.

📐

Architects & Designers

Professional indemnity for architects, structural engineers, surveyors and designers. Cover structured around your fee income and project complexity.

🏢

Property Owners & Freeholders

Property owners insurance during development, refurbishment or while a property is unoccupied — bridging the gap standard policies leave exposed.

Our Products

The full range of construction
cover, in one place

We place the complete suite of construction insurance — from compulsory liability covers to specialist products most brokers can't access.

Project & Contract Cover

Protecting the work itself

Contractors CombinedMost Popular

The core construction policy — combining public liability, employers liability, contract works (material damage), plant and equipment, and personal accident in a single package tailored to your turnover and activities.

Contract Works (CAR)

Contractors All Risks cover for physical damage to works under construction — covering materials, temporary works and the structure itself from commencement to handover.

Self-Build Insurance

Designed for private individuals building their own home. Covers the structure under construction, public liability, and can include structural warranty for mortgage purposes.

JCT Insurance (Clause 6.5.1)Specialist

Non-negligence insurance required under JCT contracts where works may cause damage to neighbouring properties. Covers collapse, subsidence, heave and vibration damage that falls outside standard liability policies.

Plant & Equipment

Own plant, hired-in plant, and tools cover — including damage, theft and third-party liability arising from plant operations on and off site.

Liability & Indemnity

Protecting your liability

Public LiabilityLegal Requirement*

Covers your liability to third parties for injury or property damage arising from your construction activities. Limits from £1m to £10m+ depending on contract requirements.

Employers LiabilityLegal Requirement

Compulsory if you employ anyone on site — including labour-only subcontractors. Minimum £5m cover required by law; most contractors need £10m.

Professional Indemnity

For architects, engineers, surveyors and design-and-build contractors. Covers claims arising from professional advice, design errors or specification failures.

Legal IndemnitySpecialist

One-off policies for specific legal risks in property transactions — restrictive covenant indemnity, chancel repair liability, lack of building regulations consent, and more.

Structural Warranty

10-year structural warranties for new builds and conversions — required by mortgage lenders. We work with leading structural warranty providers to arrange cover at competitive terms.

Standard Cover Elements

What a well-built construction
policy includes

Most construction businesses are underinsured or have gaps they're not aware of. We audit your cover and close them.

🏚️

Contract Works

Physical damage to the works under construction — from foundations through to practical completion. Often the most valuable and most underinsured element.

👷

Employers Liability

Legally Required

Covers compensation claims from employees injured on site. Includes labour-only subcontractors which many policies exclude without explicit inclusion.

🚧

Public Liability

Third-party injury and property damage arising from your site activities. Limit must meet contract requirements — often £5m or £10m minimum.

🔧

Plant & Tools

Own and hired-in plant, machinery and hand tools. Covers theft from site — one of the most frequent claims in the construction sector.

⚡

Business Interruption

If your operations are halted by an insured event, BI cover protects your revenue and ongoing costs — including delays caused by damage to a key site.

📋

Professional Indemnity

Essential for any design element. Design-and-build contractors carry PI exposure even without a formal professional role — it must be covered.

JCT Insurance Explained

JCT contracts require
insurance most brokers
can't place.

JCT (Joint Contracts Tribunal) construction contracts require specific insurance provisions that go beyond standard contractor policies. The most specialist of these is Clause 6.5.1 — non-negligence insurance for damage to neighbouring properties.

We've placed JCT insurance throughout our 30+ year history. We understand the contract requirements, the insurer appetite, and — critically — how to ensure the policy wording actually satisfies the clause when a claim arises.

Talk to a JCT specialist →
JCT Cover Types

The JCT policies
we place

JCT Clause 6.5.1 — Non-Negligence

Covers collapse, subsidence, heave, vibration and weakening of support to neighbouring buildings — damage that occurs without negligence and is excluded from standard liability policies.

JCT Existing Structures (Schedule 3)

Required when a contractor is working on an existing building. Covers physical loss or damage to the existing structure during the contract works period.

JCT New Works (Schedule 3)

All risks cover for new construction works, including materials on and off site, temporary works and the permanent works up to practical completion.

Employer's All Risks

Where the employer (client) takes out the contract works policy rather than the contractor — we arrange this on behalf of developers and property owners.

Why Forum Insurance

Why construction professionals
trust us year after year

01

We understand construction contracts

JCT, NEC, bespoke appointment letters — we understand what your contracts require and make sure your insurance satisfies those requirements exactly. Many brokers don't read contracts. We do.

02

Specialist insurer access

Construction is a specialist risk class. We access insurers and underwriters with genuine construction expertise — meaning better policy wordings and claims handling compared to a generalist insurer.

03

One broker for every risk

Contractors combined, professional indemnity, JCT, structural warranty, legal indemnity — we place all of it. One broker, one renewal conversation, and no gaps between policies.

04

30+ years of construction claims

Construction claims are complex — multiple parties, contractual obligations, disputed liability. We've managed them for over 30 years and we know how to get the right outcome.

Claims Support

Construction claims are
rarely straightforward.

A site fire, a collapse, an injury — construction claims involve multiple insurers, contractors, contract obligations and often disputed liability between parties. The last thing you need is a broker who isn't across the detail.

We manage construction claims from first notification to settlement. We understand how contract conditions affect insurance obligations and we use that knowledge to protect your position throughout.

Talk to us about a claim →
STEP 01

Call us before anything else

On a construction claim, early actions can affect your position significantly. Call us first — we'll advise on what to do, what to preserve, and what not to say.

STEP 02

We review your contract obligations

Construction claims often involve contract conditions that affect how the claim is presented. We review these before notifying the insurer to ensure your position is protected.

STEP 03

We manage all parties

Loss adjusters, engineers, surveyors, legal advisers — we coordinate the full process and ensure no party acts in a way that prejudices your claim.

STEP 04

We fight for a fair settlement

Construction claims are often underpaid at first offer. We know the policy wordings and we challenge settlements that don't reflect your full entitlement.

Common Questions

Construction insurance FAQs

For most contractors, an annual contractors combined policy covers all projects undertaken during the policy year — you don't need a separate policy for each job. Annual policies are based on your estimated turnover and contract values for the year. For one-off large or unusual projects (a single development of significant value, for example), a project-specific policy may be more appropriate. We'll advise on the right approach for your situation.
JCT Clause 6.5.1 (sometimes called non-negligence or third-party property insurance) covers damage to neighbouring properties caused by the construction works — specifically collapse, subsidence, heave, vibration and weakening of support — even where no negligence is involved. This is a specialist coverage that standard liability policies explicitly exclude, because it covers damage that occurs without any fault. It requires specialist underwriters with genuine construction expertise, which is why many brokers simply can't place it.
It depends on how your policy is worded. Labour-only subcontractors (those who supply their labour but use your materials and equipment) are often treated as employees for insurance purposes — meaning they should be covered under your employers liability policy. However, many standard policies exclude them or impose conditions. We ensure your policy explicitly covers all labour-only subcontractors you regularly use — because an injury to an excluded worker can result in a claim with no cover behind it.
A structural warranty (sometimes called a latent defects warranty or buildmark policy) provides 10-year protection against structural defects in a new build or conversion. It's required by most mortgage lenders for new homes and many lenders won't lend against a property without one. It protects the buyer, not the builder — covering the cost of rectifying structural defects that emerge after completion. If you're developing property for sale, you almost certainly need one.
Legal indemnity insurance covers specific legal risks that arise in property transactions — most commonly where there is a defect in title or a legal uncertainty that could affect the property's value or use. Common examples include: absence of building regulations consent for historical works, restrictive covenant issues, chancel repair liability, missing rights of way, and inadequate planning consent. These are typically one-off policies purchased at the time of a transaction to satisfy a solicitor or mortgage lender's requirements.

Rather talk it through first?

Book a free 30-minute call with our Construction Specialist — no prep needed, no obligation.

Book a Call with a Construction Specialist Call 0208 909 2899
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Construction insurance
from specialists.

Tell us about your project or business and a specialist construction broker will call you back within the hour. We understand contracts, JCT requirements and construction risk — not just insurance.

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