JCT Clause 6.5.1
is not optional
Most construction contracts require non-negligence insurance. We provide specialist cover for main contractors, property developers, and domestic building projects — with insurers who understand construction claims and contract obligations.
Construction professionals of every size
Main Contractors
Full-contract professional indemnity, contract works cover, and JCT 6.5.1 non-negligence — all in one place.
Property Developers
Cover for design-build contracts, construction liability, and professional indemnity if you're responsible for design.
Domestic Building Projects
Insurance for house builders, renovation contractors, and specialists — compliant with NHBC and LABC requirements.
JCT 6.5.1 Cover Breakdown
Non-Negligence Cover
Professional indemnity for breaches of non-negligence clauses — covers design errors, specification failures, and supervision defects.
Existing Structures Protection
Cover for damage to existing buildings and adjoining properties caused by your work — including damage to foundations, walls, and services.
New Works Cover
Professional indemnity for defects in the work itself — remedial costs, legal defence, and cost of rectification.
Professional Fees
Covers your architects' and engineers' fees when they're required as part of the insured loss.
Debris Removal
Costs of removing debris and unsafe materials arising from your negligence.
Local Authority Fees
Local authority and Building Control re-inspection fees when rectification work is required.
Why JCT 6.5.1 matters
The Clause Requirement
JCT Clause 6.5.1 requires contractors to effect professional indemnity insurance covering non-negligence. This is a contractual obligation — failure to provide proof of cover can be a contract breach.
Main contractors are typically responsible for ensuring subcontractors have the necessary cover, which means you can face claims from the client or principal contractor if cover is missing.
Common Claims
- Design errors and specification failures
- Defective workmanship and supervision failures
- Damage to existing structures and adjoining properties
- Remedial costs and cost of rectification
- Third-party claims for professional negligence
- Breach of contract claims under JCT terms
Why construction professionals trust us
JCT specialists only
We work exclusively with construction insurers — Hiscox, Markel, AXA, Aviva, Zurich, QBE, Chubb — all experienced in JCT claims and contract disputes. No generalist brokers, no off-the-shelf policies.
Contract review before renewal
Contract terms change year on year. We review your latest contracts before renewal to ensure cover sits perfectly within your obligations and protects against real risks you're taking on.
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.
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.
When you have a claim, we handle it.
Construction claims are won on speed and evidence. First notification to the insurer, correct handling of evidence, and expert management of all parties — this is where claims are won or lost.
Our team manages the full claim from notification through to settlement, working with loss adjusters, surveyors, and the insurer to ensure you get the cover you're entitled to.
Claims Support →Call us immediately
As soon as you become aware of a potential claim, call us. Early notification to the insurer is critical for cover and for evidence preservation.
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.
JCT 6.5.1 FAQs
Ready to get the right cover in place?
We handle the quotes, the underwriting, and the contract review. One conversation with our JCT specialists and you're protected.