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.
Get a construction insurance quote
Tell us about your project — we aim to call you back within the hour during office hours (Mon–Fri, 9am–6pm).
Construction specialists · Mon–Fri 9:00–18:00
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.
Learn more →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.
Learn more →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.
Learn more →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.
Protecting the work itself
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.
Contractors All Risks cover for physical damage to works under construction — covering materials, temporary works and the structure itself from commencement to handover.
Designed for private individuals building their own home. Covers the structure under construction, public liability, and can include structural warranty for mortgage purposes.
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.
Own plant, hired-in plant, and tools cover — including damage, theft and third-party liability arising from plant operations on and off site.
Protecting your liability
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.
Compulsory if you employ anyone on site — including labour-only subcontractors. Minimum £5m cover required by law; most contractors need £10m.
For architects, engineers, surveyors and design-and-build contractors. Covers claims arising from professional advice, design errors or specification failures.
One-off policies for specific legal risks in property transactions — restrictive covenant indemnity, chancel repair liability, lack of building regulations consent, and more.
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.
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
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 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 since 1990. 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 →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 construction professionals
trust us year after year
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.
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.
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.
Decades of construction claims
Construction claims are complex — multiple parties, contractual obligations, disputed liability. We've been managing them for decades and we know how to get the right outcome.
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 →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.
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.
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.
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.
Construction insurance FAQs
The contract usually decides the cover.
Book a free 30-minute call with our Construction Specialist — no prep needed, no obligation.