Construction Public Liability Insurance

Why you need construction insurance

From some of the UK’s largest construction projects through to small independent building firms and sole traders, the associated insurance risks are varied.

We have an in-depth knowledge of Joint Contracts Tribunal (JCT) insurance clauses and understand the huge range of pressures on the industry – from the economic environment including material costs and labour, to the increasing use of modern methods of construction.

  • Insurance cover for businesses of all sizes
    We provide insurance solutions for various size businesses across the construction industry including single construction projects.
  • Tailored to your needs
    We will work with you to fully understand your business, contractual obligations and liabilities, and tailor a construction site insurance solution that works best for you.
  • Beyond contract works
    There are other aspects of construction insurance cover that, as an employer, you may need to consider. We can arrange cover for additional exposures including public liability, business interruption, engineering breakdown risks, latent defects, rights of light and more.   

How our construction insurance brokers can help

As construction insurance brokers, we have over 25 years' involvement in the construction insurance industry. Coupling this expert knowledge with our commitment to the very best standards of customer service, we draw upon a range of insurances to build bespoke annual construction site insurance solutions for clients across the industry. We work with you to understand your business and tailor an insurance solution to your unique needs, mitigating the impact of construction risks.

Employer controlled construction project (ECIP) insurance

As an employer, can you be sure that the cover arranged by someone else, such as a contractor, is adequate for your project? Cover arranged by the employer provides control over the policy, costs and ensures claims are paid directly. 

Latent defects insurance

When third parties have inadequate cover or cease trading, you can be left exposed to undiscovered risks. Latent defects insurance ensures you are protected in these scenarios, filling this gap in standard property insurance policies. 

Delay in start-up (DSU) insurance

In the event of a major loss in the days prior to practical completion, the employer may be exposed to financial loss. This ‘delay in start-up’ could be loss of rent, loss of revenue or additional interest charges and/or refinancing fees. Importantly this cover can only be insured by the employer. 

Cyber risks

Construction and engineering businesses face all of the ‘usual’ cyber risks, from hacking to loss of confidential employee data. However, there are also industry specific risks such as cyber exposures to technology, including integrated project delivery (IPD) and building information modelling (BIM).
Problems include:

  • Competitors trying to access systems to steal intellectual property
  • Hackers trying to exploit weakness in building management systems
  • Destruction of data or plans – either malicious or inadvertent.

Additional construction insurances

Additional services for these types of project also include:

  • Cover tailored for compliance with lenders
  • Cover for delay in start-up (including following transit)
  • Assessment of the risk, broking, negotiating with lenders and advisers, preparation of evidence of cover and policy documentation
  • Ongoing assistance including site surveys during the project
  • Contingency covers including chancel liability, defective title and restrictive covenant
  • Latent defects
  • Rights of light

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